The USDA Loan Program helps low- to moderate-income individuals and families purchase homes in eligible rural areas, offering 100% financing and low out-of-pocket costs.
It’s a great option for those who may not qualify for conventional loans due to income or down payment limitations.
✅ Key Benefits of USDA Loans
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No down payment required
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30-year fixed-rate only
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Low interest rates
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Up to 6% seller-paid closing costs
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No loan limit (based on affordability)
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Available for primary residences in designated rural areas
📍 Property & Eligibility Requirements
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Must be located in a USDA-eligible rural area
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Single-family, owner-occupied homes only
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Borrowers must meet income limits based on location and household size
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Cannot qualify for other conventional financing
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Home must be modest, safe, and sanitary
🔍 Is Your Property Eligible?
You can check if a home qualifies using the USDA property eligibility map here:
👉 https://eligibility.sc.egov.usda.gov
📞 Curious if You Qualify?
Call Tina today to see if a USDA loan fits your situation — let’s get you one step closer to owning your dream home in a peaceful rural setting!
📞 Call me (510)-542-7834 today!
Tina Bui – Your Trusted Mortgage Advisor