USDA Loans
USDA loans are zero-down-payment mortgages for rural homebuyers. They’re mainly for borrowers who prefer living in rural areas vs city and(or) urban areas. A USDA home loan is a zero down payment mortgage for eligible rural homebuyers. These loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.
Qualifying for USDA Loans
Income limits to qualify for a home loan guarantee vary by location and depend on household size. To find the loan guarantee income limit for the county where you live, consult this USDA map and table.
USDA guaranteed home loans can fund only owner-occupied primary residences. Other eligibility requirements include:
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U.S. citizenship (or permanent residency)
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A monthly payment — including principal, interest, insurance and taxes — that’s 29% or less of your monthly income. Other monthly debt payments you make cannot exceed 41% of your income. However, the USDA will consider higher debt ratios if you have a credit score above 680.
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Dependable income, typically for a minimum of 24 months
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An acceptable credit history, with no accounts converted to collections within the last 12 months, among other criteria. If you can prove that your credit was affected by circumstances that were temporary or outside of your control, including a medical emergency, you may still qualify.
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