How do I know if a home is USDA eligible?
Use the USDA eligibility map on the Rural Development website. Areas outside major cities — including many fast-growing suburbs and small towns — often qualify. Eligibility is reviewed periodically, so check the specific address.
USDA income limits
Income limits are based on the county and household size, and they count income from all adult household members, not just borrowers. Many areas allow roughly $110,000–$150,000+ for a household of 1–4 people.
USDA vs FHA
| Feature | USDA | FHA |
|---|---|---|
| Down payment | 0% | 3.5% |
| Upfront fee | 1% | 1.75% |
| Annual fee | 0.35% | ~0.55% |
| Location limits | Eligible areas only | None |
| Income limits | Yes | No |
USDA loans by state
Frequently asked questions
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Get My MatchesFigures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.