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.
Enjoy a world of tranquility in this 3car, 3bed, 3.5bath home on 30-acres that offer breathtaking views, hunting trails, and a private stocked lake all while enjoying Mis...
Enjoy a world of tranquility in this 3car, 3bed, 3.5bath home on 30-acres that offer breathtaking views, hunting trails, and a private stocked lake all while enjoying Mis...
GET READY FOR THOSE HOT SUMMER DAYS ON THE CURRENT! This prestigious waterfront property, located approx. 2 mi. from Doniphan, is the epitome of luxurious river living. T...
Welcome to Flattail Farm! This 104+ acre oasis has just about everything you could ask for: Easy access from St. Louis or Jefferson City, two homes, outbuildings, food pl...
This land truly showcases just how beautiful Missouri can be. The lake at the center of the subdivision is large and incredibly clear. It’s only around 8ft deep, so it is...
Custom built, 3888 sq ft Log Home. 1 1/2 story, w/ fully finished remodeled basement. Home has 5 bedrooms, 3 bath, 2 family rooms, 2 kitchens. Central air, propane heat, ...
This is a great opportunity to buy leveled and irrigated farmland. This farm has excellent soil types and is a very high yielding farm. Buyer can have immediate possessio...
HUGE PRICE REDUCTION !! SELLERS NEW HOME IS NEARLY READY !! There are 82 acres w/frontage on Hwy. 50 and Fowler Rd. 25 plus acres of lush creek bottom pasture, suitable f...
This estate has a private, country setting on 6.8 acres including a barn and creek. Modern farmhouse offering many desired features and amenities. Three levels of living ...
This 72 +/- acre parcel truly has everything a person living in the country could want. The 2014 sq ft home has a large family style kitchen and separate dining room. The...
Welcome to the joy of country living at this 27 ac homestead w/ a custom built home & a massive shop that has an office, a bathroom, heating, & several oversized garage d...
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...
This 77 Acre tract of land located on blacktop St Rd NN! No Restrictions! It has access to water and electricity. Property features include income producing crops with an...
This private 74.98 acre creek front property has a dream home with 4 bd/4 bath and 3 car garage. It is turn-key with most furniture & appliances included (excluded are b...
This private 74.98 acre creek front property has a dream home with 4 bd/4 bath and 3 car garage. It is turn-key with most furniture & appliances included (excluded are b...
Amazing 6,160 sq/ft custom built home on approx. 7.3 acres. What do you get when an elite, custom-home builder and his wife build a home for their family? An incredible h...
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...
Beautiful, privately owned pasture in Franklin County! This 54-acre lot is currently being used for cattle, however, the possibilities are endless! This land is easily a...
Huge Price Reduction Private and secluded 160 acres of pasture and woods, a very large nice home and a big garage as well as other out buildings. There is a long drivewa...
Seller say’s BRING OFFER - $125,000 price reduction after new updates. An outstanding English Tudor Estate, nestled on 9+ acres. A long private, tree lined driveway, wit...
Amazing opportunity to purchase 3 connected townhomes located in The Grove in close proximity to Forest Park, Barnes Jewish Medical Complex, Washington University School ...
Incredible Custom 2005 Built Ranch on a Spacious 1 Acre lot in an Executive Neighborhood. Home features Brand new 3/4" Hickory Hardwood Floors in Family room, Master & fr...
Do you want a large home to accompany your family with property; a home to entertain guests; a home with a mother-in-law suite, a home with income from vacation travelers...
Welcome to this rare find in Jackson. This 6-plex features 6 united each with 2 bedrooms/2 baths, all appliances included, each unit has their own washer and dryer hooku...
If a gorgeous home complete with a beautiful, country view is what you are looking for, let me introduce you to your dream home! This stunning 4-bedroom, 4-bath, ranch-st...
Just a short 10 minutes drive from Jackson you’ll find this charming property with so much to offer setting on just under 45 plus acres of open and wooded ground perfect ...
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Two-story Colonial custom-built luxury home on a large corner lot in Greenbrier Estates is one of Sikeston’s best kept secrets! Layout, location and size of this home mak...
Wonderful setting and views for this all brick, beautifully maintained ranch situated on 6.78 acres in the Jackson area. Complete open concept with four bedrooms, one fu...
IMMACULATE DREAM PROPERTY! LOCATED ON 57.5 ACRES IN LACLEDE COUNTY MO INCLUDING OVER 1 MILE OF HWY FRONTAGE! THIS 4 BEDROOM 3 BATH HOME HAS OVER 2400 SQFT & IS A MUST SEE...
This 212-acre property is an outdoorsman’s paradise. For the hikers, mountain bikers, ATV drivers, and horseback riders, there are trails that run along the textured terr...
1341 & 1415 Schleeper - One parcel - 18.41 ACRES - 2 HOMES - MULTIPLE OUTBUILDINGS - Unique Calhoun County property! - HOUSE #1: Custom built in 2007, fully constructed o...
Meticulously maintained custom home on a picturesque property in Troy! This 4 bedroom, 3.5 bath home is perfect! Walking into the home you will see a huge dining room per...
Take a look at this beautiful, spacious home situated on 60 secluded acres! This well maintained 3 bed 2 bath home features an efficient wood burning stove, a 4 seasons ...
Looking for an awesome income-producing hunting property? This 85+/- acre tract is located just 6 miles from Stoutsville, Missouri on County Road 343. There are 36 tillab...
Exquisite attention to detail! 4 sided brick 3 bed/3 bath home with 4200+ square feet on gorgeous 1.51 acre lot at back of cul-de-sac. Property boasts 2,015 sq ft 3-sided...
Newer custom built Brick home with 4 Bed & 3 Bath just 4 miles from Farmington located on 9.74 +/- acres. Once you pull in the driveway of this Beautiful ranch home with ...
One owner, custom built 3 bedroom, 2.5 bath dreamy ranch home. Spacious interior flows effortlessly from room-to-room & is immersed in natural light! Gather in the gourme...
19+ Acres, Great Location, Carlyle School Dist., Hunting allowed, 3 Acre Lake, Spacious 5 Bedroom Home, Inground Pool, Sunroom, 1st Floor Master Bedroom Suite, Barn, 24x2...
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Don't miss this fabulous 4 bed 3 bath raised ranch set on 3 unrestricted acres! Entering the home you will find a spacious living room w/a cozy wood burning stove. Two ma...
Don't miss this fabulous 4 bed 3 bath raised ranch set on 3 unrestricted acres! Entering the home you will find a spacious living room w/a cozy wood burning stove. Two ma...
Custom built Waterloo dream home on almost 3 Acres w/inground pool! High end kitchen remodel recently completed w/custom backsplash, quartz tops, beautiful white cabinet...
One of a kind Parcel on over 8 acres just 10 min from Highway 70, 30 minutes from Wentzville & 60 Min from Downtown St Louis/Columbia.Picturesque tree lined driveway.Spra...
This 4300 +/- meticulously maintained one owner 1.5 story brick home has SOOO much to offer for all! Main level master suite, office, formal and informal dining, large l...
From the moment you step on the oversized covered front entry, you will see the craftsmanship that this home offers. The main level features a luxurious gourmet kitchen w...
This home is a must see in-person! Located in a great neighborhood, this large ranch home sits on over three acres of land with a three car garage and huge workshop! You'...
New Price! Motivated Seller!! Looking for your own private paradise? Custom built all brick home loaded w/amenities on 17.92 ac w/2 lakes. Fishing, hunting, gardening, pe...
Fabulous Home Under Construction: All Brick, 2300 Sq. Ft. *4 bedroom*2 Bath*Hardwood Floor throughout main area*Tile in baths & laundry* Kitchen: Quartz counter tops, 9 ...
Motivated Seller!!! Check out this DREAM worthy property featuring an all brick 4 bed 3 bath home nestled on 21 +/- acres with a 48x30 insulated detached garage/shop. Th...
Welcome home! This 4 year old home sits on two acres and boasts upgrades everywhere you look! From the custom solid walnut front entry doors, to the one of a kind barn wo...
Looking for a large home, with an inground salt water pool in a premiere neighborhood? Here it is! This all brick home is surrounded by a brick column/white vinyl fence, ...
Here is your chance to own one of the most historic buildings in Missouri! This Pre Civil War hotel/private residence has documented the stay of Jesse James, Charles Lind...
Ready for YOUR family! This 3 bedroom, 3 bathroom home is barely lived in and has all the upgrades. Custom Kitchen cabinets, Quartz counter tops, upgraded flooring, divid...
This gorgeous custom-built home nestled on 20 acres in the Ralls County School District has everything! As you enter the home you will be greeted with a wide-open floor p...
This gorgeous custom-built home nestled on 20 acres in the Ralls County School District has everything! As you enter the home you will be greeted with a wide-open floor p...
SPRING SALE - MOVE IN READY - BRAND NEW INVENTORY HOME Located in the sought after Wentzville North Point Middle/High Schools. Custom Cabinetry, main floor master sui...
$559,900. 5705 Lake Front Drive, PB. Gorgeous 5 bedroom 5 bath home with attached 4 car garage sitting on 1.67 acres m/l, minutes from town in Country Estates Subdivision...
This cedar & stone-sided earth home is nestled down a private rd. The covered porch spans the length of the home, overlooking the sm pond & quiet countryside. The patio i...
This stunning, custom built home is sure to impress! Upon arriving you'll immediately notice the manicured grounds, fully landscaped, boasting a stocked pond with it's ...
Located in ROGERSVILLE SCHOOL DISTRICT this Beautiful 3 bedroom Country horse/hobby farm sits on 7+/- acres. It is located just outside of Rogersville and minutes away f...
Immaculate 4BR/3BA ranch style home in The Quarry Sub. Extremely well maintained, quality built w/ contemporary interior design. This home features an expansive, vaulted,...
30± acres of prime Boone County land on HH, north of Columbia. This property is ready for development with public water and electric at the property. Or bring your custom...
A horse lovers dream! Seller is offering 10 +/- Acres and a 20,000+/- custom built, heated horse barn that not only includes possible living quarters but a riding arena, ...
SPRING SALE - NEW CONSTRUCTION - MOVE IN READY! Soaring 2 story foyer ceilings w/ private office off entry area. Great room features vaulted 14' ceilings with a wall of...
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 ...
LOOK AT THE VIEWS in this 3 BD 2 BA updated ranch home with with so many amenities and upgrades. Formal Entry sets the stage for the open floor plan with a quality custom...
IMMACULATLY MAINTAINED ALL BRICK HOME ON 5AC (M/L) RIGHT ON THE EDGE OF TOWN! THIS HOME OFFERS AN OPEN FLOOR PLAN WITH LARGE LIVING AREA WITH FLOOR TO CEILING WINDOWS A...
Don't miss out on this Charming 1 Bed 1.5 Bath Ranch home tucked away on a peaceful country road set on 16.15 acres. A perfect spot to getaway to enjoy nature & outdoor r...
BEAUTIFUL REMODELED RANCH HOME SITTING ON 11.2 ACRES. HOME CONSISTS OF 3 BEDROOMS, 3 FULL BATHROOMS, EXTRA WIDE 2 CAR ATTACHED GARAGE, ABOVE GROUND POOL, 8-PERSON HOTTUB,...
SELLER IS MOTIVATED!!! Your dream home awaits! This home sits on 23 acres with breath taking views! Just 20 minutes from Farmington, enjoy the slow country life here. The...
Custom BRAND NEW HOME on 4.98 acres! This gorgeous home completed in 2022, has everything you could ever need! 5 BD, & 3 BA w/ 4,646 sq. ft. of living space on the main l...
Trendy new Jensen floorplan by Fischer Homes in beautiful Riverdale featuring a welcoming covered front porch. The island kitchen offers stainless steel appliances, upgra...
Beauty and quality meet here! This home is full of all new upgrades to include NEW- hardwood floors, tile, hickory cabinetry, quartzite counters, paint, siding on garage...
Seller is offering an $18,000 kitchen/home renovation allowance at an agreed upon contract price & terms! This property has it all from the inside / out and its private! ...
Enjoy the lake this summer! This house has been meticulously maintained and is ready for you to make it your own! The property is a lot and a half with 92 feet of waterfr...
Seclusion and privacy comes with this vinyl sided home sitting on 118 acres m/l joining government ground. Mostly wooded hunting ground. House has a covered 6 x 20 porch ...
Look no further, your water front home in Lake Forest Estates is here. This full brick ranch home has 3 bedrooms with a 4th as a bedroom or an office. 2.5 Baths. Appr...
Welcome to 1248 Scuddler!! This new construction home aims to impress. The main level features a split bedroom floor plan with the master suite on one end, and two addit...
Beautiful is how you would describe this home on 4 park like acres with a stocked pond adorned with cattails and natural grasses. Located in the prestigious Oakwood Estat...
Start enjoying the lake life with your entire family! Plenty of space for everyone in this recently updated lake home. The main level features 3 bedrooms and 2 baths, wit...
Beautiful 4 bedroom home in the Quarry. This home has an open floor plan, hardwood flooring, a separate formal dining room, stainless steel appliances and space to grow....
WELCOME TO THE MANCHESTER. THIS 2 STORY HOME HAS ALMOST 2500 SQ FT FINISHED ABOVE GRADE. FEATURE UPGRADES INCLUDE: LVP FLOORING, QUARTZ COUNTERTOPS, 42" UPPER SOFT CLOS...
This exquisite 4 bedroom, 3 bath home has abundance of space and storage. The main level features 3-bedroom 2 bath and laundry room, with several storage closets. The li...
BRAND NEW HOME on just over 12.5 acres with NO RESTRICTIONS and a BRAND NEW POND! Conveniently located just a few minutes from town. This 4 bedroom, 3 full bath ranch wi...
Welcome to this stunning well maintained home located in Festus! This home sits on a little over an acre. Be prepared to be captivated by the large atrium windows and na...
OPEN HOUSE 12pm-2pm 3/18/2023. DON'T WALK, RUN! Fully renovated in 2020. Sitting on 4 acres just outside of Waterloo city limits this 5 bed/3.5 bath/3 car garage with pon...
Looking for more space? Look no further. 8055 Charleston is a spacious new construction home located in Troy. You'll be wowed by the finishing touches that were put in...
This property turns heads as it covers a city block and is surrounded by a historic, rock wall. This is where the Williamsville School once sat. On the hill now sits a 4...
This McBride Homes’ Nottingham two story 4BR 2.5BA home will be move in ready early 2023. THREE CAR GARAGE and beautiful views of the community lakes! Kitchen features sq...
Gorgeous log home sitting quietly back from the road on 17 wooded acres. This open and spacious 3 bedroom (2full/2 half bath) home boasts a beautiful great room with va...
Updated Mid Century Modern home. This 5 Bedroom, 5 Bathroom, full brick home features a double door front entry, a huge dining room, spacious sunroom, 3 wood burning fir...
Gorgeous log home sitting quietly back from the road on 17 wooded acres. This open and spacious 3 bedroom (2full/2 half bath) home boasts a beautiful great room with va...
Welcome home!! You won't want to miss your chance to see this charming new construction home in Remington Place. Boasting 4 bedrooms, 3 full bathrooms, loads of finished...
If you are looking for a great home, on a large lot in Jackson schools this is IT! You will enjoy coming home to an organized home, with a dedicated drop zone for coats ...
Nestled in the rolling hills of Fairway Estates in Dexter, MO sits this large 5 bedroom 3 1/2 bathroom home sitting on a 1.07 acre corner double lot. This home offers to...
VIP 4576 Call today to take a look at this awesome home just 2 minutes from the heart of Salem and outside city limits. This home is a work of art! Split floorplan 5-bedr...
This homes is very well maintained, has mostly finished basement, 4.67 acres of land, attached garage, and detached garage, front porch, lower patio, and rear patio. The...
$449,500, 3 Bedroom could be 4, 2.5 bath home with a detached 2 half bath/storage outbuilding all on 10.6 surveyed acres that adjoins Mark Twain National Forest. Home wa...
"New in 1965" when they built homes with care. This full stone MID CENTURY MODERN home in Cape Girardeau County has been restored to show off it's original grandeur, it ...