The USDA program helps buyers with moderate incomes purchase homes in areas the department designates. Eligibility depends on where the home is and on household income limits.
Why it matters
It can allow buying with no down payment. It carries its own fees, and both the property and the household have to meet the program’s rules.
Where you meet it
When you look at homes outside the big cities. Our guide on FHA, conventional, VA and USDA loans explains how it compares.
Planning to buy?
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