Loan Program

USDA Loans

100% financing for eligible properties in qualifying rural and suburban areas, subject to USDA income and location guidelines.

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What It Is

USDA loans are a government-backed program built for buyers purchasing in eligible rural and suburban areas who meet the program's income limits.

Farmhouse on a rural property eligible for USDA financing

Program Details

USDA Loans

No down payment in eligible areas
Income limits by county
Guarantee fee lower than typical FHA or PMI costs
Primary residence occupancy required

Eligibility depends on the property address, household income for the county, and occupancy rules, so confirm the address against USDA's eligibility map before you tour. Gold Star checks address eligibility early so you don't fall for a home outside the map.

Situation outside standard guidelines - renovation, manufactured housing, alternative documentation, home equity, or investor financing? Explore Specialty & Niche Programs.

Common Questions

About USDA Loans

Does the home have to be in a rural area?

Are there income limits for USDA?

Can USDA finance closing costs?

Educational only, not a loan offer or commitment to lend. Program terms, rates, and eligibility vary; talk with a loan officer for your file. NMLS #3446.