The USDA Rural Development loan program offers first time homebuyers and move-up buyers the following benefits:
 | No money down USDA Loans, making the USDA Loan the only 100% financed mortgage available to everyone |
| USDA Loans monthly mortgage insurance premiums are 74% lower than a comparable FHA Loan |
| USDA home loans offer flexible credit requirements |
| The USDA program only offers a safe, secure 30 year fixed rate mortgage |
| USDA Loans have no maximum loan amount |
| $0 out-of-pocket closing costs allowed on a USDA loan |
| Most property types allowed so long as they are located in a USDA Rural Development area |
The USDA Rural Development loan program is designed to assist moderate income families achieve homeownership in rural communities through the USDA loan program. Qualifying guidelines for the USDA Loan require:
| The property be located in a designed USDA Rural Development area |
| USDA Loans require that the property be in "move-in" condition |
| The land value on a USDA loan must be less than 30% of the appraised value and not sub-dividable |
| Household income not exceed USDA Loans maximum income guidelines based on family size |
| All borrowers on a USDA loan must be credit qualified |
