USDA Loans
USDA Loan Information
By State
Explore USDA loan eligibility, income limits, and property requirements by state to see what options may be available in your area.
Check Your State EligibilityUSDA Loan Information
USDA Loan Information by State
Looking for USDA loan eligibility in your state? Select your state below to view income limits, property eligibility, and requirements for 2026.
Select your state below to get started.
Or call 1-888-807-2353 to speak with a USDA loan specialist.
Or call 1-888-807-2353 to speak with a USDA loan specialist.
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
USDA Loan FAQs
What is a USDA loan?
A USDA loan is a government-backed mortgage that allows eligible homebuyers to purchase a home with no down payment in approved rural and suburban areas.
What are USDA income limits?
USDA income limits vary by state and county. Select your state above to view the latest income limits and eligibility requirements.
Do USDA loans require good credit?
Most lenders require a 640+ credit score, but some may accept lower scores with additional documentation. We require a 620 or higher credit score for USDA.
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.
