USDA Home Mortgage Loans

Flexible loan option requiring zero down payment and has very low interest rates. Designed for borrowers who want to purchase a modest home in a rural area. The USDA Guaranteed Rural Housing (GRH) loan program promises 100% financing to buyers with income and credit history, but who lack full down payment.

USDA Mortgages

USDA/Rural Development loans are insured by the US Dept. of Agriculture to promote single family homeownership in rural areas.* Eligible individuals may receive up to 100% financing. These loan opportunities also make funding available to finance select home improvements needed to make homes decent, safe, and sanitary. A one-time funding fee is required and can be rolled into the total loan if necessary.

*Rural areas are defined as towns, cities or places with populations of 10,000 or less, and towns & cities that are not part of a Metropolitan Statistical Area (MSA) with populations between 10,000 and below 20,000. For more information, see the USDA Property Eligibility Map.

Benefits of USDA Loans

  • no down payment required
  • up to 100% can be borrowed
  • eligible closing costs or minor repairs can be rolled into loan
  • flexible credit guidelines
  • low mortgage insurance


  • for buyers who plan to occupy a home (not an investment property) in an eligible rural area as defined by the USDA
  • applicants must provide income verification and adequate and healthy credit history demonstrating ability to repay the loan
  • applicants must prove legal eligibility to own property in the United States
  • applicants must not currently own another home or dwelling

Can USDA Loans Be Used for Manufactured Homes?

Yes. Manufactured homes are defined by the USDA as single or multi-width units that are constructed offsite, transported to the property, and attached to a permanent foundation. In order to be eligible for USDA financing, the home must meet certain requirements:

  • Must be at least 400 sq. feet and 12 or 20 feet wide (for single or double wide home).
  • Both the manufactured home and the foundation must comply with federal safety and quality requirements.
  • The foundation certification must be from a licensed professional engineer or architect.
  • Must be located in an eligible rural area as defined by the USDA.
  • Must be covered by a manufacturer’s warranty.

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