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  • Start Your USDA Loan Now!

    USDA Eligibility Is Reviewed - Not Estimated

  • Reviewed by experienced USDA loan specialists - not automated screening or lead routing.
    Direct USDA Lender - No Lead Selling or Third-Party Matching
    Nationwide USDA Lending
    100% Financing Available for Eligible Borrowers
    Full Review of Income, Property, and USDA Guidelines
    Magnolia Bank - NMLS #423028 | Member FDIC

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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.

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.