Rural & Suburban Housing

USDA eligibility is address-specific - “rural” on a map includes many suburban neighborhoods you might not expect. Income limits apply by household and county.

Use USDA's property eligibility tools with a specific address before you tour homes. Your loan officer can confirm maps and income thresholds for your household size.

USDA loans require primary occupancy. Combining USDA with gift funds or state assistance may be possible when guidelines align - we compare backup paths if a property falls outside the map.