{"id":104426,"date":"2026-02-19T14:26:58","date_gmt":"2026-02-19T22:26:58","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=104426"},"modified":"2026-02-19T14:27:02","modified_gmt":"2026-02-19T22:27:02","slug":"usda-eligible-homes-for-sale","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/usda-eligible-homes-for-sale\/","title":{"rendered":"What Is a USDA Loan For a House? How to Find and Buy a USDA-Eligible Home"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you\u2019re thinking about buying a home in a rural or eligible suburban area, a USDA loan could help you get there with no down payment and a low interest rate. Whether you\u2019re browsing <\/span><a href=\"https:\/\/www.redfin.com\/city\/12236\/KY\/Lexington\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">homes for sale in Lexington, KY<\/span><\/a><span style=\"font-weight: 400;\"> or <\/span><a href=\"https:\/\/www.redfin.com\/city\/17232\/WA\/Spokane\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">homes for sale in Spokane, WA<\/span><\/a><span style=\"font-weight: 400;\">, understanding how USDA home loans work can help you find the right property and financing option. This Redfin article explains what a USDA loan is, the requirements borrowers must meet, which homes qualify, and how to buy in an eligible area.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What is a USDA loan for a house and how does it work?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A USDA loan is a mortgage loan that helps low- to moderate-income families purchase a home in an eligible rural area. The loan is backed by the USDA, which allows lenders to offer competitive interest rates and require no down payment for eligible borrowers. By making homeownership more affordable for many families, USDA loans, in turn, help these communities flourish and provide a better quality of life for residents of rural areas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are two main USDA home loan programs:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Single Family Housing Guaranteed Loan Program<\/b><span style=\"font-weight: 400;\">, which private lenders offer<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Single Family Housing Direct Home Loan<\/b><span style=\"font-weight: 400;\">, which the USDA offers<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">USDA loan process<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The process for getting a USDA loan is similar to the <\/span><a href=\"https:\/\/www.redfin.com\/blog\/mortgage-loan-process\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">mortgage process<\/span><\/a><span style=\"font-weight: 400;\"> for other loans, but with some notable modifications. Here are a few key differences to expect:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Work with an approved lender. <\/b><span style=\"font-weight: 400;\">The lender must be approved by the USDA, so you\u2019ll need to add that requirement as you search for a lender.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Appraisal requirements.<\/b><span style=\"font-weight: 400;\"> In addition to fair market value, the appraisal must confirm the home meets USDA\u2019s safety and livability standards.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Eligible location. <\/b><span style=\"font-weight: 400;\">Your home search will be narrowed down to homes in an eligible area.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Two-step approval.<\/b><span style=\"font-weight: 400;\"> Approval for your loan may take a little longer since the loan needs to be approved by both your lender and the USDA.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">What type of homes qualify for USDA loans?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To get a USDA loan, the property the loan funds must serve as your primary residence. It can\u2019t be an investment property, farm, vacation home, second home or a home you rent out. Eligible properties can include agricultural structures, such as a barn or silo, but the property cannot be used primarily for income-producing or commercial purposes\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The home must also be located in a USDA-approved area, which is determined by the USDA based on population size and other factors. While many eligible areas are rural, some suburban areas also qualify.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Upon appraisal, the home must also meet certain guidelines set by the USDA. Among them are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A structurally sound foundation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A good roof<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easy access from the road<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Functional heating and cooling<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electrical and plumbing systems<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Adequate well and septic systems, if present<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Homes of several types can be financed with a USDA loan, as long as they meet the aforementioned eligibility requirements. These homes include new construction and preexisting homes, manufactured homes, short sales, condos, <\/span><a href=\"https:\/\/www.rockethomes.com\/blog\/home-buying\/townhouse\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">townhouses<\/span><\/a><span style=\"font-weight: 400;\"> and foreclosure homes.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">USDA loan borrower requirements<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In addition to property rules, USDA loans have borrower requirements. You\u2019ll generally need to:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Meet income limits, which vary by county and household size (typically capped at 115% of the area median income).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Have a stable, dependable income.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Show a credit score of 640 or higher for streamlined approval (lower scores may qualify with extra documentation).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Maintain a reasonable debt-to-income ratio.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">How to find USDA-approved homes for sale<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now that you know more about what to look for, you can search listing sites using filters that help narrow results to eligible areas and property types.. You may want to work with a real estate agent who\u2019s well-versed in USDA properties and can help you find the best one for your needs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once you find a home you love that you believe meets all the requirements, you can see if it\u2019s in an eligible area by entering the address on the <\/span><a href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/welcomeAction.do?pageAction=sfp\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">USDA property eligibility map<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep in mind that the final determination on whether the home is an eligible is made by USDA Rural Development during the loan review process..<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Applying for a USDA loan<\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>For a Single Family Housing Guaranteed Loan<\/b><span style=\"font-weight: 400;\">, you\u2019ll need to apply with a USDA-approved lender. This lender will handle the loan application process, working in conjunction with Rural Development.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>For a Single Family Housing Direct Home Loan<\/b><span style=\"font-weight: 400;\">, you can submit an application to your local USDA state office.<\/span><\/li>\n<\/ul>\n<p><b><i>&gt;&gt; Read: <\/i><\/b><a href=\"https:\/\/www.redfin.com\/blog\/types-of-mortgage-loans\/\" data-wpel-link=\"exclude\"><b><i>Types of Home Loans<\/i><\/b><\/a><span style=\"font-weight: 400;\"> to see how USDA loans compare to other options.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The bottom line<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding what a USDA loan is can help you decide whether this type of mortgage fits your homebuying goals. USDA-eligible homes can be a great option for buyers looking to purchase in a rural or eligible suburban area. These loans are especially appealing because they require no down payment and often come with lower interest rates compared to conventional loans, making homeownership more accessible for qualified buyers.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>USDA loans offer no down payment and low interest rates to help low- to moderate-income families buy homes in eligible rural areas.<\/p>\n","protected":false},"author":562,"featured_media":102598,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34277],"tags":[34642],"coauthors":[34346],"class_list":["post-104426","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Find USDA-Eligible Homes For Sale - Redfin<\/title>\n<meta name=\"description\" content=\"USDA loans offer no down payment and low interest rates to help low- to moderate-income families buy homes in eligible rural areas.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redfin.com\/blog\/usda-eligible-homes-for-sale\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a USDA Loan For a House? 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