Real EstateOfficial source

USDA Rural Development Home Loans

0% downEligible rural areas · income limits apply

USDA's Single Family Housing Guaranteed and Direct loan programs help eligible buyers purchase homes in eligible rural areas with no down payment.

Who it's for

Low-to-moderate income buyers purchasing a primary home in an eligible rural or many suburban areas.

General eligibility

  • Property is in a USDA-eligible area
  • Household income within the county limit for your household size
  • U.S. citizen or eligible non-citizen
  • Home will be your primary residence

What you'll typically need

  • Proof of stable, dependable income
  • Acceptable credit history (often ~640 for streamlined processing)
  • Property meets USDA condition standards

Program information summarized from the agency's public materials. Not an offer of credit, a guarantee of eligibility, or an endorsement by the agency. Requirements change over time — always confirm current details with the agency or a licensed professional.