A USDA loan is a government-backed mortgage offering 100% financing for eligible rural and suburban homebuyers. No down payment is required. The program is backed by the U.S. Department of Agriculture and offered through approved lenders like USDAinfo.Mortgage, powered by My Community Mortgage NMLS #2408499.

Who qualifies for a USDA loan?

To qualify for a USDA loan, buyers must purchase a property in a USDA-eligible rural or suburban area, have a household income below the county limit (typically $119,850 for 1-4 person households in 2026), and have an acceptable credit history. Most lenders require a minimum credit score of 640.

What are the USDA loan income limits for 2026?

In 2026, the standard USDA loan income limits are $119,850 for households of 1-4 members and $158,250 for households of 5-8 members. Limits are higher in areas with a higher cost of living. All adult household members' income counts toward the limit, not just the borrowers on the loan.

What credit score do you need for a USDA loan?

Most USDA-approved lenders require a minimum credit score of 640 for automated underwriting approval. Borrowers with scores below 640 may still qualify through manual underwriting with compensating factors such as stable employment history and low debt-to-income ratio.

Is there a down payment required for a USDA loan?

No. USDA loans require zero down payment. They offer 100% financing, meaning the entire purchase price can be financed. This makes USDA loans one of the only zero-down mortgage options available to non-military homebuyers.

Can I refinance my existing home loan into a USDA loan?

Yes. If your property is in a USDA-eligible area and you meet the income and credit requirements, you can refinance your existing mortgage into a USDA loan. This is a popular option for homeowners looking to eliminate FHA mortgage insurance premiums.

What areas are eligible for USDA loans?

Approximately 97% of US land area is eligible for USDA loans, including many suburban communities. Eligible areas are generally towns and communities with populations under 35,000 that are not part of a major urban center. You can verify eligibility for a specific address using the USDA property eligibility map.

How long does it take to close a USDA loan?

Most USDA loans close in 30 to 60 days from application. The process includes lender underwriting plus an additional USDA review that typically adds 3-5 business days compared to a conventional loan.

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