USDA home loans offer a path to homeownership for those with lower incomes and for people who are looking to buy a home in certain areas of the country. These mortgages are backed by the US Department ...

Reina Marszalek is a senior mortgage editor at Fox Money who has spent more than 10 years writing and editing content. Fox Money is a personal finance hub featuring content generated by Credible ...

USDA loans are either backed or funded by the U.S. Department of Agriculture and designed to help low-income borrowers build or buy homes in eligible rural areas. Before applying for a loan, check out ...

USDA loans are mortgages backed or funded by the U.S. Department of Agriculture. Also called USDA rural development loans or rural housing loans, USDA home loans feature low or no down payments and ...

Available to home buyers in rural areas of the country, USDA Home Loans can be obtained through local lenders for the purchase of a home, for home renovations, repairs, and new construction. Backed by ...

USDA loans, a 0% down option for low and moderate-income buyers in rural and suburban areas, are on pause due to the ...

The biggest difference between USDA loans and conventional mortgages is that USDA loans typically have lower interest rates because the government insures them. The best provider of USDA loans is ...

The full name of this program is USDA Rural Housing Guaranteed Loan Program. We’ll simplify its name here to the USDA Loan. If you prefer, our office calls it the Meat Loan. This is the first of two ...

Eric Bivens, his fiancee Johna Smith and her son Camden, 10, in front of a home they are trying to buy in Owasso, Okla., taken on September 24,2013. The family are trying to buy the house using a USDA ...

USDA Rural Development sets income limits by household size and county. As of 2025, the standard income cap in most Iowa counties is $112,450 for 1–4 person households. These limits were recently ...