USDA Loans At A Glance

  • Minimum Down Payment: 0%*

  • Terms (Years): 30-Year Fixed Only*

  • Gift Funds Allowed: Yes

  • Eligible Homes: Single & Multi-Family, New Manufactured Homes

  • Seller Paid Closing Costs: Up to 6% of the Sales Price*

  • Loan Limits: Determined by Income and DTI

  • MaxDTI: 29% – 41% (Higher DTIs May Be Allowed In Some Cases)

  • Minimum Credit Score: 600 Mid FICO

  • Availability: All US States, Only USDA* Eligible Areas, Owner Occupied

*Other restrictions and guidelines apply. Please contact lender for full program details.