USDA LOANS

USDA Loan Information by State

USDA Loan Information by State (Eligibility, Income Limits & Requirements)

Looking for USDA loan eligibility in your state? Select your state below to view income limits, property eligibility, and requirements for 2026. USDA loans offer zero down payment options for eligible rural and suburban homebuyers.

Select your state below to get started.

Or call 1-888-807-2353 to speak with a USDA loan specialist.

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.

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Magnolia Bank has tried to provide accurate and timely information; however, the content of this site may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. Magnolia Bank may change the products, services, and any other information described on this site at any time. The information published on this site is provided as a convenience to visitors and is for informational purposes only. You should verify all information before relying on it and decisions based on information contained in our site are your sole responsibility. If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at (888) 807-2353. This contact information is for accommodation requests only. NMLS 423028. Magnolia Bank is not affiliated with any government agency. Member FDIC.

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.

We are not the U.S. Department of Agriculture. If you wish to contact them you can do so by visiting their site at www.usda.gov.

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USDA LOANS

USDA Loan Information by State