This home loan program is also known as the Section 502 Direct Loan Program. The purpose of the program is to help lower income home buyers buy homes that are in areas that are more rural in nature.
Who is eligible for a USDA Home Loan?
While there are many things taken into consideration to determine a borrower's eligibility for USDA home loans, one of the first places to start is to make sure that your adjusted gross income is at or below the maximum allowed. Contact us to find out the current maximum adjusted gross income allowed in your area.
In addition to being below the maximum income limits as well as demonstrating the ability to repay the loan, a USDA home loan borrower must:
The home being purchased by someone obtaining a USDA home loan for must:
What are eligible areas?
In general, the areas that qualify for the USDA home-loan program are rural areas with a population of less than 35,000 people. To find specific areas that are eligible, contact us and we'll be happy to help. All of the current listings shown below indicate they are in an eligible area, however, you should confirm this with us to be sure.
What can the USDA Home loan be used for?
A USDA home loan may be used to purchase an existing home that meets the criteria mentioned above, including being located in an eligible area, but the funds can also be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities.
What is the USDA maximum loan amount?
The maximum you may borrow is determined first by the maximum USDA loan amount for the area you are buying in contact us and we'll let you know what it is for a specific area) and then by your ability to repay. To determine what size loan you have the ability to repay the lender will consider your income, credit, assets as well as the amount of payment assistance you may be eligible to receive.
What are the interest rates and loan terms for USDA loans?
While rates and terms will vary, below are some general guidelines:
How much down payment is required on a USDA home loan?
Normally, no down payment is required on a USDA home loan, therefore, most home buyers, utilizing a USDA loan, can get 100% financing.
*NOTE- the listings shown in the list below indicate they are in USDA eligible areas however, you should contact us to confirm.
Stunning 1.5-Story home sitting on a 1 acre lot with a pool in Town and Country! This home boasts 6 Bedrooms, 8 Bathrooms, and 8000+ square feet of living space with fini...
COMING SOON! This 380+/ -acre cattle farm is a prime piece of agricultural land with immense potential. The expansive acreage offers ample space for grazing, making it i...
Just North of Poplar Bluff, in the Luxurious Gated Community of West Bluff Estates, is this Pristine 6 Bedroom/6 1/2 Bath home sitting on 5 Acres. This home offers 11,330...
THIS INCLUDES BOTH HOUSES! Located just an hour and a half from St. Louis near the Mark Twain Lake sits this rare opportunity to own 59.29 acres of pristine land backing ...
Embrace Tranquility and Nature at Its Finest! Welcome to your peaceful retreat, where every day begins with a serene sunrise and ends with the calming sound of rain on th...
Experience all that the country lifestyle has to offer at this beautiful, spacious farm! At 230+/- acres, this large farm can allow you to fulfill all your farming wants ...
186 surveyed acres of intensely improved habitat. It is hard to find a better 186 for monster bucks, lots of turkey, great fishing and ducks. SPORTSMAN’S DREAM POPERTY. T...
Welcome home to a beautiful farmhouse set on 115+/- acres with street access on Whitehead and Liberty School. This sprawling ranch boasts a large living room with firepl...
Welcome home to a beautiful farmhouse set on 115+/- acres. This sprawling ranch boasts a large living room with fireplace, ~600 sq.ft. sunroom with glass or screens, ups...
Looking for land to develop? Maybe you just want to purchase a lot and build? This is your chance to be a part of something very amazing. The options are endless with thi...
Welcome to paradise in Missouri! This stunning 223-acre hunting property boasts everything an outdoor enthusiast could dream of. With three picturesque ponds dotting the ...
This 127-acre property in Audrain County, MO is a prime investment, offering a blend of recreational opportunities and income potential. With 89 acres of tillable land, c...
This agricultural zoned property lies just inside the Palmyra School District and is an ideal location for a subdivision that provide great road access and job proximity....
This exceptional 4-bedroom, 5-bathroom home (3 full and 2 half baths) offers over 5,000 square feet of exquisite craftsmanship, all set on 8 acres, with the option to pur...
Brand new elegant custom ranch home on a 3 acre lot in Kohler Estates Subdivision just waiting for you to occupy. This home with over 5000 square feet of living space inc...
This beautifully designed luxury home offers a perfect blend of comfort, functionality, and outdoor adventure. Nestled in the heart of Pulaski County, this exquisite 84+/...
PRICE REDUCTION!!!!! SELLER MOTIVATED AND WANTS OFFERS!!!!! Welcome to your dream home nestled on 154 acres of pristine natural beauty. Only 10-years old, this exquisi...
Set on +/- 10.5 acres, a long driveway leads you to this approximately 4320sq ft home with 5 bedrooms and 5 1/2 baths. Four bedrooms have ensuite bathrooms, including a p...
Stunning Custom Home- 10' ceilings, 8' doors, open floor plan, floor to ceiling stone see-through F/P in the Dining/Family rooms, wood burning F/P in the siting room, tra...
Stunning Custom Home- 10' ceilings, 8' doors, open floor plan, floor to ceiling stone see-through F/P in the Dining/Family rooms, wood burning F/P in the siting room, tra...
The same owner who custom built this showplace has lovingly maintained it for 30+ years & the pride of ownership is obvious. Professionally-designed lush irrigated landsc...
This 4-bedroom, 3-bathroom lake front Atrium Ranch home boasts exquisite architectural elements, walk of windows with endless water views including crown moldings and hig...
Agent owned. This stunning 6,000 sq. ft. home on 32 picturesque acres is a dream for horse and livestock enthusiasts. The expansive property offers ample space for pastu...
Experience all that the country lifestyle has to offer at this beautiful, spacious farm! At 130+/- acres, this large farm can allow you to fulfill all your farming wants ...
Find your perfect escape on 129.6 acres in Rolla! This spacious 6-bedroom, 4-bathroom home gives you 4,088 sqft of comfortable living, featuring hardwood floors, a gorgeo...
This stunning home boasts exquisite design elements, including vaulted ceilings, a gourmet kitchen with a butler's pantry, and the convenience of a mudroom with washer an...
Incredible tranquil retreat nestled on 86.7 acres (m/l) just minutes from the upper Meramec River! This fully updated 1800 sq ft, 3 bedroom home boasts maintenance-free e...
Incredible tranquil retreat nestled on 86.7 acres (m/l) just minutes from the upper Meramec River! This fully updated 1800 sq ft, 3 bedroom home boasts maintenance-free e...
This custom new construction in one of Columbia’s most desired subdivisions, Walnut Ridge, is not one you want to miss! Starting with big features, this home includes an ...
This is your dream farmhouse in every way! From the winding driveway, the breeze through the covered porches, the huge shop building to the deer and turkey in the front ...
Wow. A 5000 plus square foot home situated on 8.75 private acres with a 5-acre stocked lake, 2 primary bedrooms, two living rooms, a bar area, and 900 square feet recreat...
Located behind the Black Oak Amphitheater. 75 acres of beautiful wooded land. Ready for your next development. Endless opportunities. Come put in a subdivision or growing...
Check out this Stunning Property on a 2 acre wooded lot. TTown schools. Ideally located so you feel like you're in the country, but only minutes from Effingham. This home...
Executive FULL brick home sitting on a 15 acre lake w/3 car oversize garage, has spared no detail! Upon entering you will find new luxury vinyl plank flooring that spans ...
If you are looking for charming craftsman style meets cozy farmhouse, look no further! Nestled in the woods is the perfect place to raise a family or enjoy your evenings ...
Stunning luxury home on 24 acres, nestled adjacent to the Mark Twain National Forest! This expansive 8,000 sq. ft. residence boasts a kitchen featuring exquisite Italian ...
Busy Intersection on Rt 66, bordering City of Waynesville property and next to Waynesville R-VI Property and Sports Complex. Perfect for a Commercial Drive Through locati...
Discover the rare opportunity to own Baker Cattle Farm, a stunning 92-acre property perfect for cattle farming. This charming farm features a spacious 3-bedroom, 2-bathro...
THIS IS THE FARM YOU'VE BEEN WAITING FOR !! THIS BEAUTIFUL 171.5 acres of LAND OFFERS LARGE OPEN PASTURE LAND, FENCED and CROSS FENCED, SET UP AS A DAIRY and CATTLE OPE...
100 acres with woods and pasture located just minutes from Highway 21. Bordered by Cotter Creek, this beautiful piece of property is exceptionally private and could be u...
New Listing! Located just East of Perryville at 13 PCR 351 sits this beautiful 7238 square ft. all brick home in a secluded country setting. This very spacious home o...
Price Improvement & Acreage Increase!!! This lovely home boasts 7 bedrooms 4 full bathrooms and over 4300 square feet of living space sitting on 10.6 acres. There is also...
Right now is the rare opportunity to own this ONE OF A KIND Custom Built, 5 Bedroom, METICULOUSLY MAINTAINED, Crown Jewel of Waynesville! This home has it ALL! A Flowing ...
If your looking hunting a hunting location that has it all this is it all this is it and the proof is in the pictures. The property also connects at one point to the Wet ...
Welcome to this 4200sq.ft custom-built 2 bed, 3 bath home + additional sleeping areas in lower level. Impeccable craftsmanship throughout. Situated on 15 acres of picture...
10k closing credit!!Immaculate ranch style home w/4 beds,3 baths, alarm system & 3 car attached garage. Enter into an office or sitting area, separate dining room & massi...
COMPLETELY RENOVATED 5 bedroom, 3.5 bathroom home is situated just minutes from St. James on 10 acres m/l. This stunning custom home offers picturesque views of the neigh...
CALLING ALL HUNTERS! This property has a Wild Life Development Plan by Whitetail Habitat Improvement Company which Specializes in the Design and Huntablity of your Hunti...
Your dream home awaits in the prestigious Oak Knoll Country Estates! This stunning custom stone residence offers 5 bedrooms and 6 bathrooms, sprawling across 6,000 sq ft ...
Stunning Custom Quality Home- 10' ceilings, 8' interior doors, open floor plan, floor to ceiling stone see-through F/P in the Dining/Family rooms, wood burning F/P in the...
Nestled amidst the landscapes of Lebanon, Missouri, lies a remarkable property boasting a sprawling 24 acres m/l with a custom-built home that seamlessly blends luxury wi...
Welcome to your 52 acre secluded home/hobby farm. The property has a long private driveway, with a 1-1/2 story log cabin feel home featuring 3 bedrooms, 3 full baths, an...
If you've been searching for more personal space, this is your flashing neon sign! Nearly 6 acres in a quiet, wooded setting... blissful! With an enormous (covered!) wr...
Discover country living at its finest in this newly remodeled 3-bedroom, 2.5-bath ranch, set on 18.5 picturesque acres just outside of Hannibal. The open-concept living s...
Welcome to your riverside retreat! This newly built two-bedroom, two-bath home offers the perfect blend of modern comfort and natural beauty. Situated on 23 acres of pict...
Nice entry foyer leads you in to impressive great room with bead board ceiling, gas fireplace & rough sawn wood engineered flooring thruout home except the bedrooms & lau...
This 65+/- acre property in Monroe County, Missouri is a rare find, offering the perfect blend of income-generating farmland and recreational opportunities. 34+/- acres o...
Embrace the rural lifestyle without sacrificing convenience. This custom built 4 bedroom 3 bathroom home combines comfort and functionality with its open floor plan, att...
Here is your opportunity to invest in a 1.5 story house with a 2-car garage on a big lot. Parcel# 01-1-24-06-12-201-031 is also included with the house. This is a 9.26-ac...
CURRRENT RIVER SPLENDOR! This immaculate river cabin sits on two acres & is only about 5 minutes from Doniphan. This beauty boasts its own newly installed exterior lift, ...
This exquisite 3,300 sq. ft. Ranch home, built just 2 yrs ago, offers unparalleled elegance & modern upgrades throughout. Nestled on over 3 acres, this home provides exce...
Mission Style Craftsman home situated on over 5 acres North of Greenville, South of Hillsboro. Custom built in 2009, this home features a gorgeous wood burning fireplace,...
This creek farm is located approximately 10 minutes from Dixon, MO, and approximately 20 minutes from St. Robert, MO. The farm is 163 +/- acres and consists of approximat...
Listed at $687,995 - Nestled in the picturesque Ozark Foothills, this property spanning 275 acres offers a tranquil retreat bordering Logan Creek, the headwaters of Clear...
Spectacular 3,400± sf ranch on 3 acres only 12 miles north of Troy. Bryant's Creek is a highly sought-after exclusive neighborhood offering spacious lot size and paved ro...
Nestled on a sprawling 6 acre surveyed estate, this original owner home offers a serene retreat with its private pond, stocked with bluegill, bass, and catfish. The prop...
1200 sq ft, 2 bedroom home on 43 +/- acres! Nice mix of open ground for livestock, animals. Wooded land for hunting. House has unfinished basement, walkout. All electri...
20+/- Acres nestled in The Ranches of Elks Prairie, established with underground utilities and pristine fencing, this private retreat promises privacy with its nicely woo...
Welcome to this luxurious estate situated on 10.20 m/l acres across three lots in a private, park-like setting. This sprawling property offers 5 bedrooms, 4 baths and 5,0...
This Craftsman-style home offers a blend of classic charm & modern amenities. A remarkable 64-foot veranda welcomes you with classic Craftsman allure .You’ll love the out...
Discover the rare opportunity to own Baker Cattle Farm South, a stunning 64-acre property perfect for cattle farming. This charming farm features a spacious 3-bedroom, 2-...
Lakefront home on Lake Sherwood now available! This atrium ranch is all you've dreamed of! Main floor primary suite with large walk-in shower and separate jacuzzi tub. Ma...
16 Acres, a Beautiful & Spacious 3,600 Sq. Ft. 4 Bedroom/2 Full Bathroom home, 5 RV Hook-Ups, another 2,160 Sq. Ft. large partially finished matching style structure that...
Discover your own private retreat on 30 stunning acres in Jackson, where breathtaking sunsets set the perfect backdrop for building your forever home! This versatile prop...
Looking for your very own HOMESTEAD? This remarkable ranch home on 6ac is boasting w/MODERN updates! The main level hosts the HUGE kitchen w/3 pantry's, white cabinets, B...
3 bedroom, 3 bath home is a serene retreat situated on 40 acres, blending both wooded areas and cleared space, all fully fenced for privacy. The main level features an o...
"Southern Living" floor plan home -Impeccably maintained 1.5 story w/partially finished Lower Level, 3 car garage on 1.18 acres in desirable Edwardsville Lake community. ...
Motivated to Sell! Just minutes from Kinkaid Lake, this beautiful and elegant home has plenty of space for everyone and every thing. It's built for entertaining and ulti...
This is a Custom built home with all the upgraded amenities included in the base price. Custom Ranch home features 3 bedrooms, 2 baths, main floor laundry and minimum 3 ...
Welcome to your secluded paradise nestled among 75 acres of serene countryside. A covered porch invites you to soak in the tranquil surroundings. Step inside to an invi...
One of the most unique properties that you will find with water everywhere! There is a spring, 6 year-round creeks one of which flows from a large spring on the adjoining...
All new custom-built home on 4 secluded acres w/ mature trees, wildlife, & the tranquility you need & deserve. Home feat high-end finishes incl 9' ceilings plus vaults, s...
Sophisticated light filled atrium ranch nestled on a .53 acre corner lot in the desired Winding Trails subdivision of Wildwood. The arteries of cul-de-sacs & the frequent...
Brand new construction in Old Monroe! This stunning 3-bedroom, 2.5-bathroom home just completed construction, & is ready for you! Situated on a spacious, nearly an acre c...
Brand new construction in Old Monroe! This stunning 3-bedroom, 2.5-bathroom home just completed construction, & is ready for you! Situated on a spacious, nearly an acre c...
HUGE PRICE DROP!! Located just 12 minutes from the heart of Troy, this private, low density neighborhood gives you the rural setting you've been searching for without sac...
Golf Course In Your Backyard! You'll score a hole-in-one with this gorgeous new construction home that is finished and awaiting new owners. Features include: Vaulted grea...
Private escape on 8 unrestricted acres in Augusta Wine Country. This fully furnished, 1,516 sq ft Custom Home, built in 2008, features a durable steel structure with 2 be...
Welcome to this stunning home in 16 West, an extension of Chantilly Village, just 10 minutes from Waterloo. Nestled on a peaceful 2.5-acre lot, this 2022-built home offer...
DREAM HOME! Welcome to this stunner on Bass Rock Drive in Van Buren! Whether you are looking for your forever home or your weekend getaway this is the ONE! Bass Rock Driv...
The perfect blend of craftsmanship and comfort on 11+ acres in Richland, MO! You'll adore the scraped wood-engineered flooring, stylish porcelain tile, and stunning grani...
Escape to this stunning 3-bedroom, 3-bath log home nestled on 27.17 acres of serene countryside. Boasting 2,818 square feet of beautifully crafted living space, you'll be...
Nestled amidst the landscapes of Lebanon, Missouri, lies a remarkable property boasting a sprawling 14 acres m/l with a custom-built home that seamlessly blends luxury wi...
WOWZER! Stunning, big, beautiful all-brick house. Covered front porch, leaded glass entry door w/2 side lights. 10'x7' entry foyer. Dining room: double arched window, col...
Experience the perfect blend of modern luxury and serene nature in this stunning home, only two and a half years old, nestled on 3 wooded acres. This contemporary haven o...
HUNTING/RECREATIONAL/CATTLE FARM in Dixon, Mo. This is a beautiful property with so much potential. This could be developed into housing being only approximately 15 minut...
OPTIONS! Offering with 9+/- acres as listed or with 20+/- Nestled in The Ranches of Elks Prairie, established with underground utilities and pristine fencing, this privat...
Here is your chance to own your own Callaway Country Estate!!! 11 acres set up for horses w/ cross-fencing and hydrants. Newly remodeled inside & out. This one-owner ranc...
Beautiful 158+/- acre property w/ 3bd, 1 BA, 2 car garage fixer upper. 50x30 shop w/lean 2 & 5 covered parking spaces (has power, 200amp service and 50 amp RV hookup), ba...
The search is over, welcome to your next home. Great room w/large stone fireplace and wall of windows. Kitchen has custom island and tons of cabinet space. Dining area fl...