A USDA home loan is a zero-down payment mortgage for eligible
rural and suburban homebuyers. USDA loans are issued through the
USDA Rural Development Guaranteed Housing Loan Program, which is
managed by the U.S. Department of Agriculture.
USDA home loans are available to borrowers who meet certain income
and credit requirements. Borrowers must have a household income that
does not exceed 115% of the median income for their area, and they
must have a credit score of 640 or higher.
USDA home loans are a great option for eligible borrowers who are
looking to purchase a home with no down payment. These loans provide
many benefits, including low interest rates and monthly payments,
and they can be used to finance the purchase of a primary residence
in an eligible rural or suburban area.
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