KNOWLEDGE BASE

What's a U.S. Department of Agriculture (USDA) loan?

A USDA loan is a zero-down-payment, low interest rate mortgage. It’s guaranteed by the United States Department of Agriculture.

  • It’s intended for homes in rural areas, which the USDA defines as having a population under 35,000. However, there are a few suburban areas that also meet their criteria.
  • The home needs to be your primary residence. Properties used to create income and vacation homes do not qualify.

To learn more, visit our USDA Loans page.