USDA Home Loans offer 100% financing on a fixed 30-year-loan depending upon the appraised value of the home, and can include the guarantee fee within the financing. No down payment is required, and interest rates are generally competitive. Lender fees and closing costs may also be included in the loan.


A USDA Home Loan is for low-to-moderate income buyers who want to purchase a home in a rural area. Both first time and experienced home buyers can utilize a USDA Home loan. USDA loans are backed by the federal government. All homes purchased under a USDA home loan must be in an eligible rural area, defined by the USDA (U.S. Department of Agriculture), and have a household income that isn’t greater than the limits wherein the home is located.