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 ...

USDA loans allow eligible homebuyers to get zero-down-payment mortgages in rural and suburban areas. Because they're backed by the U.S. Department of Agriculture, these loans have lower rates and ...

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 ...

If you’re a homeowner with a U.S. Department of Agriculture-backed mortgage, you might wonder if you can refinance a USDA loan. After all, refinancing your mortgage can save you thousands by securing ...

USDA loans are mortgages backed or funded by the U.S. Department of Agriculture. Also called USDA rural development loans or rural housing loans, USDA home loans feature low or no down payments and ...

USDA mortgages are aimed at borrowers buying in eligible rural areas. These loans come with lenient rules around credit scores and down payment requirements. USDA loans come with income limits that ...

For many homebuyers, it’s the realization of a dream: a house in the country, with acreage and distant neighbors. But the imbalance of home value to land value can make finding a mortgage challenging.

The full name of this program is USDA Rural Housing Guaranteed Loan Program. We’ll simplify its name here to the USDA Loan. If you prefer, our office calls it the Meat Loan. This is the first of two ...

USDA rural home loans (often called USDA Rural Development loans) remain fully available in 2025 for Maryland homebuyers. These mortgages offer 100% financing (no down payment) with competitive ...

Because they're guaranteed by the U.S. Department of Agriculture, USDA loans don't require a down payment or private mortgage insurance. That makes them a great option for first-time homebuyers ...

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 ...

USDA Rural Development sets income limits by household size and county. As of 2025, the standard income cap in most Iowa counties is $112,450 for 1–4 person households. These limits were recently ...