USDA Financing

Affordable Loans for Rural Homes

2019 USDA Area Median Income Search

Area Median Income (AMI) Disclaimer

These AMIs will be valid until the new AMIs are issued. Please note that Fannie Mae must use the AMIs provided to us by FHFA to determine Fannie Mae’s performance on its regulatory housing goals. For determining Fannie Mae loan eligibility, lenders should refer to these AMIs and may not rely on other published versions (such as AMIs posted on This information, based on data provided to Fannie Mae by FHFA, is provided solely for convenience and not for purposes of verifying the accuracy of or determining the income limits. LoanLynx shall have no liability or responsibility for any errors or omissions or liability in connection with the use, misuse, release, or distribution of this information.

USDA Home Mortgage Loans

USDA/Rural Development loans are insured by the US Dept. of Agriculture to promote single family homeownership in defined rural areas. LOANLYNX can extend up to 100% financing to eligible rural individuals and families for the purchase of safe and sanitary dwellings. These guaranteed loans have assisted thousands of homeowners to purchase a home with affordable interest rates and loan terms.

What is a USDA loan?

A USDA loan is a no down payment home financing option for buyers seeking to purchase a primary single family residence (non-income producing) in a qualified rural area. Program eligibility is based on property address and the total income of those who reside in the household.  A one-time funding fee is collected and can be rolled into the loan amount if needed.  You can borrower up to 100% of the home’s appraised value and roll in any eligible closing costs or minor repairs. Credit guidelines are flexible and the annual mortgage insurance (paid monthly) is low.

A USDA Loan (also called a Rural Development Loan) allows you to purchase a home on a USDA designate area with flexible qualification requirements and 100% financing. Homeownership has never been so easy.

  • Purchase your home with no money down
  • Financing for closing costs is available
  • Competitive, low interest rates
  • Save money with no Mortgage Insurance requirements
  • Flexible credit qualifications
The Guaranteed Rural Housing (GRH) Loan Program

Offered through the United States Department of Agriculture, the USDA Guaranteed Loan Program provides borrowers in rural areas the opportunity for home ownership.  This is an excellent product and benefit for those individuals that qualify. The USDA Guaranteed Loan Program also offers 100% financing opportunities for those who qualify.

Who is Eligible?
  • Individuals or families who plan to occupy a home located in an eligible rural area as their primary residence may qualify for a USDA Rural Development home loan.
  • An applicant for the USDA mortgage guarantee loan must provide sufficient income verification and a credit history that indicates an ability and willingness to meet repayment obligations.
  • An individual or family must show proper legal capacity to own property in the U.S.A., own no home or dwelling currently, and have insufficient resources to qualify for a conventional home mortgage.
Rural Areas Defined

Rural areas are defined as towns, cities or places with populations of 10,000 or less, and towns & cities that are not part of a Metropolitan Statistical Area (MSA) with populations between 10,000 and below 20,000.

USDA Manufactured Homes

USDA defines a “manufactured home” as any dwelling unit constructed partially off-site and then transported to a site to be completed and attached to a permanent foundation.

NEW: Purchase of an eligible new unit, transportation and set-up costs, and purchase of an eligible site if not already owned by the applicant. Manufactured units must be less than 12 months old and never occupied and will include the site. The date of the purchase agreement must be within one year of the manufactured date displayed on the plat attached to the unit. The following criteria outlines an eligible unit for guarantee with the SFHGLP:

Property Eligibility:
  • The new unit must have a floor area of not less than 400 square feet.
  • The unit must be built in compliance with the Federal Manufactured Home Construction and Safety Standards (FMHCSS) that were established June 15, 1976.
  • The unit must be placed on a permanent foundation built to FHA guidelines in effect at the time of certification. Guidelines are presently published in the “Permanent Foundation Guide for Manufactured Housing” (HUD-4930.3G)
  • Certification that the foundation design meets HUD Handbook 4930.3, “Permanent Foundations Guide for Manufactured Housing (PFGMH).”
  • The foundation certification must be from a licensed professional engineer, or registered architect, who is licensed/registered in the state where the manufactured home is located and must attest to current guidelines of the PFGMH. The certification must be site specific and contain the engineers or registered architect’s signature, seal and/or state license/certification number.
  • The manufactured home must be classified and taxed as real estate. Lenders are responsible for ensuring the title has been purged and the manufactured home has been officially converted from chattel to real property, as state law allows.
  • The mortgage must cover both the unit and its site.

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2019 USDA Rural Housing Eligibility Map

USDA Property Eligibility Disclaimer

Every effort is made to provide accurate and complete information regarding eligible and ineligible areas on this website, based on Rural Development rural area requirements. Rural Development, however, does not guarantee the accuracy, or completeness of any information, product, process, or determination provided by this system. Final determination of property eligibility must be made by Rural Development upon receipt of a complete application. Viewing eligibility maps on this website does not constitute a final determination by Rural Development. To proceed with viewing the eligibility map, you must accept this disclaimer by clicking on the ‘Map It’ button above.


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