
Thinking about buying a home?
Buy a home with 0% down and 100% financing
If you are buying a home that is in a USDA eligible location and make an average income or less you could qualify for a USDA loan. Search USDA eligible properties.
USDA Loans are less expensive than FHA loans because mortgage insurance (MIP) is a half a percent cheaper.
Low and Very Low-Income Homebuyers
Homebuyers Direct Loans
• Offered directly by USDA
• 33-year fixed interest rate (typical term)
• Applicant’s income must be below local low- or very low-income limits determined by USDA
• Payment assistance may be available
• 33-year fixed interest rate (typical term)
• Applicant’s income must be below local low- or very low-income limits determined by USDA
• Payment assistance may be available
Moderate-Income Homebuyers
Guaranteed Loans
• Offered by lenders such as banks, and guaranteed by USDA
• 30-year fixed interest rate
• Applicant’s income must be below local moderate-income limits determined by USDA
• 30-year fixed interest rate
• Applicant’s income must be below local moderate-income limits determined by USDA
USDA Income Limits
Below are the Adjusted Income Limits for the Washington-Arlington-Alexandria, MD Metro:
Direct Loans
1 – 4 person | 5 – 8 person | |
---|---|---|
VERY LOW INCOME | 38,100 | 50,300 |
LOW INCOME | 60,950 | 80,450 |
MODERATE INCOME | 102,350 | 135,100 |
38 YEAR TERM | 47,300 | 62,450 |
Guaranteed Loans
1 – 4 person | 5 – 8 person | |
---|---|---|
VERY LOW INCOME | 64,500 | 85,150 |
LOW INCOME | 79,900 | 105,450 |
MODERATE INCOME | 114,850 | 151,600 |
USDA Tradelines
For a USDA Loan, you must have a minimum of 2 tradelines with a 12 month history. Tradelines can be open, closed, and/or paid in full. Eligible tradelines can include but are not limited to: secured and unsecured loans, revolving accounts, installment loans, credit cards, collections, and charge off accounts.

Important Links
- Check Your USDA Loan Eligibility
- Find a Guaranteed USDA Loan Lender
- Assess Your Qualifications for a USDA Direct Loan
- Find Your Local Rural Development Office
Questions about USDA loans?
We’re here to help! Contact us.