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.
Welcome home to this spacious 5-bedroom, 3-bathroom property offering plenty of room for the whole family! Excellent curb appeal welcomes you with a classic combination o...
Escape to the peace and privacy of nearly 8 acres with this inviting 4-bedroom, 2-bath brick home, located just outside of town. Inside, you’ll find a new kitchen, new fl...
Nestled away on a quiet street in Perryville, this beautiful updated, contemporary home has 2200+ sq.ft. living space on beautiful and rarely seen 1.99 +/- ac lot. An ope...
**Completely Renovated & Move-In Ready!** Welcome to this beautifully updated 2-story home in the desirable Meadow View neighborhood, offering over 2,500 sq. ft. of above...
Set on 3 level acres and backing to woods, 5003 Devon Drive offers a peaceful setting with plenty of space and privacy. This inviting 1.5 story home welcomes you with a l...
Construction is now COMPLETE on this beautiful home on Patton Lane! This builder doesn't miss a single detail & adds tons of custom features in all their homes. Located o...
Discover the space, privacy, and versatility of this 4-bedroom, 3-bath home situated on approximately 6.62 acres just minutes from Rolla. With more than 2,400 square feet...
Escape to Your Own Piece of Country Paradise! If you’ve been dreaming of space, privacy, and the freedom to live a more self-sufficient lifestyle, this beautiful 23-acre ...
Welcome home to this stunning two-story, 4-bedroom, 2.5-bath residence that perfectly blends modern design with everyday comfort. Scheduled to be move-in ready this sprin...
Rare opportunity to own 7.96 acres of beautifully maintained property in the heart of Houston, Missouri--where space, quality, and location come together seamlessly. This...
Welcome home to this stunning handicap accessible 3-bedroom, 3-bathroom retreat ideally located just minutes from all that Rolla has to offer, yet tucked away on a quiet ...
Experience the pinnacle of Ozark living at 353 Skyline Drive. This commanding brick estate sits on nearly 6 acres of pristine ridge top land, offering a front row seat to...
McBride Maple ranch-style home w/3BR, 2BA will be ready this summer! Rustic Farmhouse exterior! Perfect for entertaining with an open floorplan, vaulted ceilings, a spaci...
Whether you dream of homesteading, owning your own horse property, hunting trophy whitetails, or simply escaping the hustle and bustle of city life, this picturesque 40-a...
Built in 2018, this solid, well built ranch style home offers the perfect combination of quality construction, modern design, thoughtful finishes, and functional living s...
A rare find that truly checks all the boxes! This recently remodeled 4-bedroom, 2-bath home offers the possibility of a 5th bedroom and is beautifully situated on 3.64...
RARE FIND ALERT!! This spacious five bedroom, three bathroom home sits on 5+/- beautiful acres and is packed with features you won't find anywhere else! The main level ...
Welcome to this stunning 4 bedroom, 3 bath home where modern design, quality craftsmanship, and thoughtful details come together beautifully. Situated on a desirable .45 ...
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Experience country living at its finest with this unique barn-style home nestled on 20 acres m/l of beautiful Missouri countryside. This spacious home offers 3 bedrooms a...
Spacious, quality-built home offers 4,200 sq. ft. of finished living space on 1 acre! Built in 2003 with energy-efficient 2x6 exterior walls, this home features large roo...
Beautiful Home in Oak Knoll Estates! This spacious 2-story home has fresh interior paint and sits on a landscaped 0.77 m/l acre lot. It offers 4 bedrooms, 3.5 baths, a fi...
Welcome to this completely updated ranch home tucked away on nearly four beautifully fenced, scenic acres in the Lock Loma subdivision. Finding a property that successful...
Welcome to your own private retreat where modern comfort meets breathtaking country views. Built in 2024, this stunning tri-level home offers approximately 2,000 square f...
Discover the perfect blend of comfort and convenience in this incredible residential/commercial property! Situated on Main Street, you're steps away from grocery stores, ...
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Stunning 4 Bedroom | 3.5 Bath Home in West Waynesville – Designer Finishes Throughout Welcome to refined living in one of West Waynesville’s most desirable and quiet nei...
Motivated seller!! This spacious 3-bedroom, 3-bath home also features four additional finished bonus rooms, giving buyers the flexibility to create up to seven sleeping a...
ALL ONE LEVEL! Beautiful New Construction in a Prestigious Lake Community. Discover how to relax and enjoy living in this stunning single level home located in an area wi...
Welcome home to this spacious 6-bedroom, 4-bathroom ranch offering over 3,500 square feet of finished living space and the modern comfort of a home built in 2020! Designe...
WOW! I could stop the listing description right there - Here is your next home and it checks all your boxes. Don't take my word for it, come see for yourself. Newer roof...
Welcome to your own private retreat—where peace, privacy, and nature surround you, yet everyday conveniences remain just minutes away. Tucked away at the end of a long, w...
Rustic charm meets modern comfort at this beautiful log cabin retreat nestled on 10.56 acres in the scenic Lesterville area. This 2 bedroom, 3 bath home offers an invitin...
Completely rebuilt from the ground up, this 5-bed, 3-bath home in Camdenton delivers space, flexibility, and a true “nothing left to do” remodel. Everything has been redo...
Stunning, authentic log home perfectly situated in a park-like setting on a generous 1.47-acre lot m/l. Step inside to experience the undeniable warmth of soaring natural...
Brand-New Construction on +/- 3.32 Wooded Acres Just Minutes from Rolla! Experience the perfect blend of modern style and peaceful country living in this beautiful 3-bedr...
Welcome home to this spacious 2-story that’s ready for its next owners! From the moment you step inside, you’ll love the open foyer and the luxury vinyl flooring througho...
Welcome to Whispering Oaks, one of the area's newest subdivisions, conveniently located just minutes from Rolla! This newly constructed 3-bedroom, 2-bathroom home offers ...
Prepare to be captivated by this show- stopping estate! It is situated on 3.22 Acres of pristine, private land. This unique property seamlessly blends modern luxury with ...
JUST LISTED! Welcome home to this spacious 4-bedroom, 2.5-bath ranch offering comfort, updates, and plenty of room to spread out! This home features new carpet, a freshly...
If location is important to you, come check this one out!! Sprawling ranch home with 3 bedrooms, 2 baths, formal dining room, eat in kitchen, huge office space, and main...
Escape to your own private retreat! Conveniently located just 15 minutes from Rolla and 10 minutes from Salem, this beautifully remodeled home sits in the heart of 20 woo...
Nestled on 5.3 acres with a year-round creek, this beautifully remodeled farmhouse offers 4 bedrooms, 4 bathrooms, and an inviting kitchen with new granite countertops an...
Step into the charm of this beautifully maintained 3-bedroom, 3-bath home nestled on 6.17 picturesque acres in Licking, Missouri! With its nostalgic Brady Bunch-inspired ...
Experience the perfect balance of privacy, comfort, and country charm on this exceptional 5.43-acre property. Surrounded by beautiful scenery and thoughtfully designed fo...
Welcome home to this stunning custom-built new construction featuring 4 bedrooms, 2.5 bathrooms, and 1,910 square feet of thoughtfully designed living space. Nestled amon...
If you’ve been looking for a home that’s truly move in ready, this one is worth a look. Every room reflects the care that’s gone into this beautifully renovated brick ran...
Welcome to this New Construction home in Summer Set Lake. Completed and now ready for it's family. This home features an open floor plan , Vaulted Ceiling, main floor ...
Welcome home to 146 Winter Wheat, a beautiful ranch that's 5 years new! It starts in the grand foyer with super tall ceilings, and leads into the heart of the home to the...
Charming Split-Level on 3 Acres Move-In Ready! Welcome home to this beautifully updated split-level retreat, offering the perfect blend of modern comfort and country char...
Tucked away on 15 beautiful acres just minutes from Lake Wappapello, this custom log home offers the perfect blend of privacy, space, and opportunity. Whether you’re look...
If you don't have time to wait on a new construction, then this 4 bedroom, 2.5 bath newer construction 2-story home in St. Andrews Meadows is perfect for you! This home ...
Discover the perfect blend of country living, recreation, and small-farm potential with this 3-bedroom, 2-bath home situated on 12 beautiful acres. The property offers a ...
3000 ft all-electric home with open concept, built in 2020 with partial walkout unfinished basement and floor drain. Wrap-around deck, 30x60 four-stall horse barn, and 30...
Welcome to 1946 Kelly Ct in a highly desired subdivision in Pacific. This home sits on a nice corner lot on .5 acres with mature trees. It is a spacious 3BR, 4BA home tha...
Welcome to this stunning 4 bedroom, 3 bathroom home in St. Robert, ideally located just minutes from Fort Leonard Wood and all the conveniences of town. From the moment y...
Discover the perfect blend of comfort, functionality, and outdoor living with this 3-bedroom, 2-bath home nestled on 9.75 m/l mostly wooded acres—an ideal setup for natur...
Stunning 4 bedroom, 3 bath brick home located within walking distance of downtown. You will not find another property like this. Seller is adding an additional lot to be ...
2022 Remodel!! 4BR/4BA home in the desirable Haven Hills subdivision, centrally located in the heart of Poplar Bluff. Features include contemporary designed upgrades with...
This beautiful 4-bedroom, 3-full-bath home offers the rare opportunity to own a 3 year old home on 7.83 acres of unrestricted land- AND STILL be close to town and Fort Le...
This one has it all and move in ready! Beautiful big main home, in ground pool and pool house, 2 shops, corner lot, and excellent location!!! This home is perfect for g...
Charming cottage-style brick home set on 1.5 wooded acres at Hidden Trails Golf Course in Dexter, MO. Surrounded by nature, this one-owner home blends comfort and craftsm...
This Jefferson Model is complete and move in ready! Great lot with level back yard backing to a wooded view! 3 Bedroom 2.5 Bath 1817 sq. ft. Story & Half with main floor ...
Escape to the beauty of country living with this riverfront property offering approximately 5 acres and over 2,200 sq ft of living space! Nestled along the scenic Big Riv...
Country Living Just Minutes from Town! Enjoy the best of both worlds with this well-maintained 4-bedroom, 2-bath home situated on over 4 acres, yet conveniently located ...
Welcome to this beautiful 5-bedroom, 3-full-bath home located in the gated Goose Creek Lake community! Built in 2018 and exceptionally well maintained, this home is in li...
Welcome to 931 Scott Street in New Madrid, Missouri, where space, comfort, and outdoor living come together on approximately 1.13 acres. This spacious 4-bedroom, 3.5-bat...
Escape to your own private retreat on 2.68 wooded acres in the highly sought-after Triad School District! This beautifully maintained log cabin offers the perfect blend o...
CHARISMATIC CHRISTOPHER DRIVE! Enjoy the best of country living just minutes from Rolla! This 3 bedroom, 2 bath home sits on 5+/- beautiful acres and features an attached...
Custom home on 10 acres featuring 2 ponds (1 spring-fed and stocked), 6+ acres is fenced pasture. Discover the perfect blend of comfort, space, and location with this bea...
Absolutely stunning cedar log home with a breath taking view of God's Country! Five acre tract tucked back in off of a county road with plenty of privacy but less than 15...
Home sweet home on Alice Drive! Located near the cul-de-sac in the Pinnacle Homes at The Summit neighborhood, this 4 bedroom, 3 bathroom ranch over a walkout basement was...
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Spacious 1 1/2 -story home on over an acre with a wooded backdrop and plenty of room to spread out! Major updates include a brand-new septic system completed in August 20...
With approximately 1,500 square feet of thoughtfully designed living space, this 3 bed, 2 bath ranch offers the perfect combination of comfort, style, and functionality. ...
Welcome home to this hidden gem nestled on 2.3 secluded acres in the desirable Byrneshire subdivision! Escape the hustle and bustle while enjoying peaceful surroundings, ...
Everything you’ve been searching for! This spacious 3 bedroom, 3 bath home sits on approximately 4.6 acres just outside of city limits. Features the perfect blend of priv...
Nearly 2,700 Finished Sq. Ft. | 4 Bedrooms | Edwardsville School District Space, warmth, major updates and true move-in-ready confidence — this all-brick home delivers t...
Just Listed - $369,995. Country Living at Its Best on almost 5 acres near Boss, Missouri. If you've been looking for a place where you can slow down, enjoy nature, and ex...
Welcome to 808 Carrie Circle in Lebanon! This 4 bedroom, 2 bath home offers 2,306 sq ft of living space with a flexible layout that includes two primary bedroom suites—on...
Built in 2015 and offering more than 2,700 square feet of finished living space, this spacious 4-bedroom, 3-bath home in Terre Du Lac has room for everyone! The main leve...
Welcome to 1104 Indian Creek Road in Lebanon — a spacious home tucked into one of the north side’s most desired neighborhoods! From the moment you arrive, you’ll apprecia...
Take advantage of your opportunity to own an UPSCALE new construction villa in the 55+ Serenade Villas community. You'll immediately notice the quality-build when you pul...
Charming Home Full of Character! If you love old-house charm, you're going to love this 4-bedroom, 3-bathroom home! It has beautiful original woodwork and hardwood floors...
Escape to the peace and privacy of country living with this beautiful 5-bedroom, 2.5-bathroom home situated on 8 acres. Surrounded by open pasture and a touch of woods, t...
ESCAPE to the peace and privacy of country living with this spacious home situated on 12.15 beautiful acres. Offering 4 possibly 5 bedrooms and 3 full bathrooms this pro...
If space is what you’re looking for, this home in the Ideal Villa Subdivision has plenty of it! With over 2,200 square feet of finished living space, five bedrooms, and 2...
Looking for a LOW-MAINTENANCE HOME in a PRIME location? Look no further! Welcome to The Villages at Amberleigh, where this beautifully maintained, ONE-OWNER villa is r...
Tucked away near the end of a quiet road, this charming brick home offers the perfect blend of peaceful country living and everyday convenience. Relax on the welcoming co...
Welcome HOME! This inviting home offers the perfect blend of comfort, functionality, and location. Nestled in a desirable neighborhood, you'll enjoy convenient access to ...
You've noticed and admired this home for years. Now is your chance to make it yours! This beautiful 4 bedroom, 3 bath brick home is less than 5 minutes from Doniphan. Cro...
Contemporary ranch situated on 1.2 +/- wooded acres offering approximately 3,500 sq ft of total living space. This versatile home features 4–5 bedrooms and 3 full baths w...
Spacious and inviting home is ideal and includes a three car garage, two bedrooms, two baths, main floor laundry and a spacious open dining and great room. The kitchen i...
Welcome to this exceptional tri-level home offering the space and flexibility modern families want. With three distinct living and family room areas spread across multipl...
Welcome to 193 Majestic Drive, a beautifully upgraded 4-bedroom, 3-bath modern residence located in the highly sought-after Pinnacle Homes at the Summit Subdivision. This...
Welcome to 210 Holmes Dr., a beautiful all-brick home in a family-friendly Sikeston neighborhood. This spacious property offers plenty of room for everyday living and en...
Welcome to this beautifully maintained home, that combines the charm of its era with thoughtful updates for today’s lifestyle. Inside, you’ll find original wood floors, p...
IMPROVED PRICE!! Welcome to your own private retreat! Nestled on a beautifully landscaped .36 acre lot backing to a peaceful creek, this stunning home offers the perfect ...
Welcome to this spacious 5 bedroom, 3.5-bath home conveniently located on the road that leads straight into the Main-Gate of Ft. Leonard Wood! Nicely Situated back away f...
NOW READY FOR MOVE-IN! Welcome to 13 Sonata Lane in Troy, IL, an upscale new construction villa in the highly desirable 55+ Serenade Villas community. This beautifully cr...