What is a USDA loan?
A USDA home loan is backed by the U.S. Department of Agriculture through its Rural Development program. It is meant to help people buy homes in eligible rural and some suburban areas.
Why buyers choose it
For buyers who qualify and find a home in an eligible area, a USDA loan can be a strong option. Eligible areas often include communities just outside larger cities.
Things to know
Both the property location and your household income must meet USDA rules. The USDA publishes an eligibility map, and we can help you check specific addresses.
This page is general information only, not an offer or commitment to lend. Loan programs are subject to eligibility, credit approval, and underwriting. Program availability, guidelines, and terms can change.