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The USDA determines what "rural" means, and that varies widely by state. But if you're eligible, you can qualify for lower monthly payments and you don't need money for a down payment. You'll also spend less time in traffic driving to the closing.

Key Features of Rural Housing (USDA) Loans

  • Available as a 30-year option with a fixed rate
  • Finance 100% of your home with no down payment requirement
  • No mortgage insurance means you have lower monthly payments
  • The loan's income eligibility cap varies by community

Requirements

Down Payment None
Terms 30 years, fixed rate
Credit Score 640 minimum
Mortgage Insurance No*
Maximum Loan Limit Yes, varies by county
*Up-Front Guarantee Fee financed into the loan.

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