USDA Rural Housing

The best feature of this loan is that you can finance 100% of the purchase price as well as get seller help toward closing costs up to 6%. The USDA Guaranteed Rural Housing Program is designed to assist households in obtaining adequate but modest and safe dwellings for their primary residence in designated “rural” areas.  Each year a maximum allotment of funds are provided to each state and once the funds are depleted the program is unavailable until new funds are allotted (possibly the next year).  Call us now to find out whether or not there are any funds remaining.

These loan programs are meant for households with modest incomes; not necessarily “low” but you cannot exceed these limits none the less.  They have income limits for each county that you can find directly on their website which we link to but we suggest calling us because sometimes the calculations can be confusing.

USDA Income Calculator

You can check for homes that are in an eligible area.

Search by Zip Code or State

USDA Income Calculator

You can check for homes that are in an eligible area.

Search by Zip Code or State