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  • The Rural Housing program is a Federal loan program offered through the United States Department of Agriculture (USDA). It is designed to help borrowers with low to moderate income obtain home financing in specified rural areas. The program has an upfront guarantee fee (which can be financed into the loan) and a low monthly mortgage insurance premium. This is a great loan for those seeking financing in rural areas who have no down payment or a minimum down payment. 

    Available for properties in specified rural areas (Click here to see eligibility map) Click on the Single Family Housing option. 

    No down payment required

    Loan Terms: 30 year Loans

    Loan Types: Purchase and Refinance

    Interest Rate Types: Fixed

    Property Type: Primary Residence

    Flexible qualification guidelines 

    Maximum income limits vary by County.