USDA loans make rural dreams real.

Zero-down potential for eligible homes and households. We’ll help you check the map and income limits.

USDA Loans — at a glance

zero-down map-eligible rural-ready budget-friendly

USDA Loans — overview

$0 down potential Map eligibility Household income caps

Ideal for rural-ready buyers. Check the address on the USDA map and make sure total household income sits within your county’s cap.

Often lower monthly cost vs. low-down conventional
Primary residence only
Seller credits can help with closing costs

Schedule a Call

Qualify for a USDA Loan

To qualify for a USDA loan you’ll need to meet these key requirements:

📍

Location Eligibility

The home must be in a USDA-eligible rural or suburban area. We’ll help you check the address on the USDA map.

👥

Income Limits

Total household income must be within your county’s cap. Limits vary by location and family size.

🛡

Credit & Repayment Ability

Demonstrate stable income and responsible credit. Many lenders look for ~640+, but lower scores may qualify with strong factors.

Our Cash Offer Program

Competitive cash offer within 24 hours

No Showings – No Hassles

You choose your closing day

We pay ALL closing costs

Zero fees. Zero commissions

We’ll cover any repairs

The Traditional Way

Listing your house with an agent

The months it takes to sell add up

Plenty of showings and disruption to your life

It takes forever to close

1-2% in closing costs paid by you, the seller

Fees and commissions stack up

You could be on the hook for repairs

How it works

There are 6 steps to getting approved for a USDA Loan.

Click each step to see more details.

We verify the home (or area) is USDA-eligible and that your total household income fits county limits. Then I estimate your budget and payment.

What you’ll do

Share address or target area
List household members & income

What I’ll do

Check USDA map & income caps
Give you a payment + budget range

💡 USDA counts total household income for eligibility (not just borrowers on the loan).

Apply Now Check Address (USDA Site)

Let's Chat About It

Schedule a Consultation with Brigett

Ideal Borrowers for USDA Loans

Is a USDA Loan Right for You?

🌾 100% Financing

Buy a home with no down payment if the property and your income meet USDA eligibility.

📍 Designed for Rural Areas

Great for buyers in eligible rural or suburban locations seeking affordable homeownership.

💡 Low Monthly Costs

USDA loans typically have lower interest rates and reduced mortgage insurance premiums.

Is a USDA Loan Right for You?

A Good Fit If…

Not a Fit If…

✔

You’re buying in a USDA-eligible rural area

USDA loans are designed for homes in approved rural and suburban locations.

✖

You’re purchasing in a city or urban area

USDA loans are location-restricted and not available in metro zip codes.

✔

You need 100% financing

USDA loans offer zero down payment for qualifying applicants in eligible areas.

✖

You’re putting 20% down

Conventional loans may offer more flexibility when you have a large down payment.

✔

Your household income falls within USDA limits

USDA loans have income caps based on county and family size.

✖

Your income exceeds local USDA guidelines

Higher-income borrowers may not qualify, even with good credit.

✔

You plan to live in the home full time

USDA loans are for primary residences only — no rentals or second homes.

✖

You’re buying a vacation or investment property

USDA loans are strictly for full-time owner-occupants.

How it works

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Step 01

Tell us about your house we’ll analyzing your property.

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Step 02

We’ll make offers based on the market value and condition.

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Step 03

You get to choose the selling option that suits to you

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What client say about us

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Lorem Ipsum is simply dummy text of the printing

and typesetting industry. Lorem Ipsum has been

he industry's standard dummy text ever since the

1500s, when an unknown printer took a galley of

type and scrambled.

Darcel Ballentine

Barone LLC.

USDA Loan FAQs

Have questions about USDA Loans? You’re not alone. USDA Loans can be a great path to homeownership, especially for those in rural or suburban areas, but understanding how they work is key to making the most of them. Below, we’ve answered some of the most common questions borrowers have, so you can move forward with clarity and confidence.

Who is eligible for a USDA Loan?

USDA Loans are available to U.S. citizens or permanent residents who meet specific income limits and plan to purchase a home in an eligible rural or suburban area.

What areas qualify for USDA financing?

USDA defines eligible areas as rural or certain suburban communities. You can check the USDA’s online eligibility map to see if a specific property qualifies.

Do I need a down payment for a USDA Loan?

No. One of the biggest benefits of a USDA Loan is that it offers 100% financing—meaning no down payment is required.

What credit score is required to qualify?

While USDA Loans have flexible credit requirements, most lenders prefer a credit score of at least 640. However, lower scores may be considered with strong compensating factors.

Are there income limits for USDA Loans?

Yes. USDA Loans are designed for low- to moderate-income borrowers. Income limits vary by region and household size and can be checked through the USDA eligibility site.

Can I use a USDA Loan to buy an investment or vacation property?

No. USDA Loans are intended for primary residences only. The property must be owner-occupied.

What are the upfront and ongoing fees?

USDA Loans require a one-time upfront guarantee fee (usually 1% of the loan amount) and an annual fee (around 0.35%), which is divided into monthly payments.