No money down
A USDA loan is one of the few loan programs available to the public that lets you finance 100% of your home’s value—no down payment required!
America’s USDA Home Loan Specialists — Direct Lending Nationwide. We are USDA loans.
USDA Home Loans
How does this work?
USDA Loans Overview
A USDA loan, backed by the U.S. Department of Agriculture, offers affordable 30-year terms and 100% financing—no down payment required!
USDA loans can be used to purchase traditional site-built homes, manufactured homes (as long as the home was built within 20 years of closing), and modular or prefab homes.
On this site, you can learn about USDA home loan programs, check your eligibility, and apply directly with our experienced USDA loan specialists. Once you apply, one of our USDA experts will contact you to guide you through the process and help you take the next step toward homeownership.
USDA loans have specific requirements, including household income limits and property eligibility in designated rural areas. We provide easy-to-use tools such as a household income checker and property eligibility search, along with direct access to official USDA resources, so you can confidently understand your options before moving forward.
Applying for a USDA home loan is easy and secure! Complete a quick online application or call to speak with one of our USDA loan specialist today.
Do you qualify?
USDA Loan Qualifications
To qualify for a USDA home loan, the property must be located in an area designated as eligible by USDA Rural Development. Borrowers can confirm property eligibility by using the official USDA Property Eligibility Map here:USDA Map.
USDA program guidelines also establish household income limits, which vary by county and are based on local median income levels. These limits are calculated using total household income, which includes income from all adults residing in the home — not only the individuals listed on the loan application.
For households with 1–4 members, the average income limit in many areas is approximately $112,450 per year, though this amount can vary significantly by county. As household size increases beyond five members, allowable income limits increase accordingly. Areas with higher median incomes typically have higher USDA income thresholds.
Because income eligibility calculations can be complex and vary by location, we recommend speaking with one of our USDA loan specialist to verify whether your household meets current eligibility guidelines for the USDA Single Family Housing Guaranteed Loan Program in your area.
USDA Home Loan Features
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Apply today
Start your USDA Loan now! It only takes 30 seconds to see if you qualify.
Additional USDA Loan Information
What is the USDA Loan process?
USDA Loans Underwriting Approval
To qualify for a USDA loan, borrowers must meet specific credit requirements. Applications can be approved with a credit score as low as 620, though approval is easier with a score of 640 or higher. Applicants must demonstrate repayment ability and have at least one year of job history. For recent graduates, the one year employment requirement may be waived. For more details, visit our USDA Loans Guideline page.
If you’re looking to purchase a home, consider applying for a USDA loan or researching your eligibility. Our USDA loan specialists are happy to assist you in determining if you qualify.
What are USDA Loans insured by?
USDA Loans are Insured
USDA loans are backed by the U.S. Department of Agriculture through a loan guarantee. This means if a borrower defaults, the USDA helps cover a portion of the lender’s loss. Because this government guarantee reduces the risk to lenders, they are able to offer qualified buyers up to 100% financing, allowing eligible homebuyers to purchase a home with no down payment while still maintaining responsible lending standards.
USDAloans.net offers USDA home loans for properties nationwide in rural and suburban areas across the United States and its territories. We have the USDA loans guidelines and USDA loan income eligibility information for you to confidently apply for rural development loans on our website.
To apply for a USDA Loan simply fill out a quick loan application or call us to apply over the phone at 1-888-807-2353.
USDALoans.Net is not a government agency. You can view our privacy policy here Privacy Policy. Feel free to contact as with any questions here Contact Us.
New Applicants: For questions about a mortgage application currently in process, please reach out to your Mortgage Loan Officer. If you are not sure who your Mortgage Loan Officer is, please email our Mortgage Help Desk at mortgagehelpdesk@magnoliabank.com. Customer Feedback: For complaints or to provide feedback, please email complaints@magnoliabank.com.
This communication does not constitute a commitment to lend or the guarantee of a special interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval.
