USDA loans are government-backed mortgages for borrowers buying in specific, eligible rural areas. These loans don't require a down payment, and they have fairly lenient credit score requirements.

Backed by the Department of Agriculture, these zero-down mortgages can help buyers in rural and suburban areas achieve the dream of homeownership.

Reina Marszalek is a senior mortgage editor at Fox Money who has spent more than 10 years writing and editing content. Fox Money is a personal finance hub featuring content generated by Credible ...

Many people feel unsure about whether they can meet USDA income, credit, or location rules, and that uncertainty can make the whole process feel out of reach. You deserve clarity, especially when your ...

Buying a home can feel overwhelming, especially when you're trying to decide which mortgage program is right for you. When exploring government-backed loans, FHA and USDA options both promise ...

A USDA streamlined refinance allows borrowers to refinance their USDA loans. If you're looking for low interest rates, better terms, or other options that don't require a lot of equity in the home, a ...

USDA Rural Development home loans offer zero-down financing with competitive interest rates for eligible buyers in rural areas. Below, we detail Maryland’s 2025 income limits, eligible areas, and the ...

For homebuyers seeking a zero-down-payment mortgage, a USDA home loan is worth consideration. Although USDA rural development loans are often thought to be limited to farms, these loans are available ...

The best USDA loan lenders accept low credit scores, are transparent about rates, and offer plenty of resources. Find the ...