Check Your Eligibility For a USDA Home Loan!
IT ONLY TAKES 30 SECONDS
TO SEE IF YOU QUALIFY
Continue Reading to Learn More About the USDA Home Loan Programs Available in Your Area
If you have checked your income eligibility and property eligibility you can apply now for your USDA Preapproval Letter
USDA Home Loans Overview
About USDA Home Loans
A USDA loan is a loan that is insured by the United States Department of Agriculture. USDA Loans provide affordable fixed rate mortgages terms with no money down. Zero down financing insured by the federal government.
We offer tools to educate and determine eligibility for USDA. USDA requires that household income be at or below the median income for the area you intend to purchase a home in. In addition, the home must be located in a rural eligible area as defined by the USDA property eligibility maps. Our site provides you with the resources necessary to determine if you qualify for a USDA home loan including links to check income eligibility and property eligibility.
Applying for a USDA home loan is simple and secure. You can fill out a quick online application or call to speak to a USDA loan specialist to see if you qualify for the program. Or use our property or income eligibility tools. Contact a USDA specialist and apply for a USDA loan today.
IT ONLY TAKES 30 SECONDS
Do You Qualify for a USDA Loan
To be eligible for a USDA home loan the property you purchase must be in a eligible area. You can use our property eligibility tool to see if your property qualifies.
USDA Rural Development location eligibility checker page USDA Map
USDA Rural Development guidelines specify the limit a household can earn in income to qualify for the Government backed USDA Home Loan. USDA breaks down these areas into income restrictions per county. The maximum income is calculated using the entire household’s income whether they intend to apply for he mortgage or not. In the United States the average maximum income cap for total household income is $93,700 a year for a one to four family household.
If you have more than 4 people in the home, the income limit increases for every additional household member. USDA structures the home loan program so that areas with a higher income will qualify for a higher sales price which makes the program perfect for middle income families trying to purchase their first home. Use the income verifier tool to see if your household is eligible for USDA home loan financing.
Click The Map to Begin Your USDA Property Eligibility Search