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Buying a home

USDA-backed home loan

The short answer USDA's single-family housing program backs loans that can offer eligible borrowers financing without a required down payment in qualifying rural areas. Both the property's location and your household income must meet program rules, and the home must be your primary residence. Program fees, repayment ability and property requirements still apply.

Last reviewed: October 18, 2026 · General education, not a loan offer or approval. Availability and terms depend on the lender, the property and your file.

It may fit if

  • You want to buy a primary home in an area that may be USDA-eligible.
  • Your household income may fall within the program's limits for that area.
  • You have limited savings for a down payment.

Tradeoffs to weigh

  • The property address must be in an eligible area, which can include places close to town.
  • Household income limits count more than just the borrowers.
  • Program fees apply, and it is not a loan for rental or investment property.

What to have ready

  • The address or area of the home you're considering.
  • Everyone in your household and their income sources.
  • How you're paid and your main monthly debts.
  • Your savings for closing costs.

Questions people ask

Does rural mean a farm far from town?

Not necessarily. Check the actual address on the USDA eligibility map.

Can I use it for a rental property?

No. This single-family homeownership program is for a primary home, not a standard investment-property loan.

Your next step

Tell me what you're trying to do. I'll check which options fit your situation and walk you through the tradeoffs.

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Related topics

Conventional mortgage Low-down-payment conventional loan (Conventional 97) HomeReady Home Possible FHA mortgage VA mortgage See the loan programs All topics

Sources

Official program and consumer sources this page is based on. Lender rules can be stricter than these.

Marcus Wright
Who you'll work with

You work with me, start to finish.

Marcus Wright · Loan Officer, NMLS #2789841

Originates through Q Mortgage LLC, NMLS #2567464. Licensed in Texas.

Check my license on NMLS Consumer Access

I aim to get back to you within a few working hours, often sooner.

Se habla español. Every page and form here works in Spanish.

How it works

  1. 1. Tell me your goalCall, book a time or send a note. No SSN and no credit check to start a conversation.
  2. 2. I compare your optionsI look at your income, property and plans, and explain the costs and tradeoffs of each route in plain language.
  3. 3. Apply when you're readyYou apply through a secure application. The lender's underwriting makes the final decision, and I keep you updated until closing.
Contact

Let's talk about your loan.

Call, book a time, or send a quick note. Whatever's easiest.

(682) 403-3406Tap to call Pick a timeBook a call on my calendar Weekend timeSat–Sun, 11 a.m.–7 p.m. Central. I confirm it personally. marcus@qmortgage.aiEmail me anytime

Hours Weekdays 8 a.m.–8 p.m. Central. Weekends 11 a.m.–7 p.m. Central by appointment.

I aim to get back to you within a few working hours, often sooner.

Tell me about your loan