Welcome to our USDA Rural Housing mortgage resource page! Here you will find great articles on USDA Rural Housing purchase and refinance loans and a ton of how to articles describing the lending process from start to finish. You will also find articles of commonly asked questions by people just like you. We try hard to answer questions about USDA loans in our blog posts. We are here to help make the home buying and refinancing process as pain free as possible. If you can’t find what you are looking for here, please feel free to Contact Us with any questions. We are here to help!
For additional program information visit our USDA Rural Housing Mortgage page.
To qualify for a USDA Rural Development Guaranteed Loan, your total household income, including every adult living in the home, not just the borrowers on the loan, cannot exceed 115% of the area median income (AMI) for your county and household size. For 2026, the standard limit is $119,850 for a 1-4 person household and […]
See exactly how much house you can afford based on your income, debts, and savings. Our affordability calculator and guide explain DTI rules, loan types, and the real monthly costs buyers overlook.
Explore how USDA and FHA loans differ in property restrictions, income caps, credit standards, and long‑term costs so you can confidently select the best loan for your home.
Before you consider buying a condo, it is important to find out if the condo has been approved by Fannie Mae or Freddie Mac, if you are going to use a conventional loan. If you are using a government-insured loan from the FHA, VA, or USDA, the condo project has to be approved by their requirements.
We look at FHA, VA, and USDA, which are the three main government-insured loan programs, to help you pick the right program for your situation.
USDA minimum property requirements that the home will need to meet before your loan will be approved.
For people that want to not only buy a home but get a great deal on their mortgage, the USDA home loan is one of the better programs available for those who qualify.
Although some of these things may sound too good to be true, or even insane, all of the following facts about the USDA mortgage program are true.
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