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.
This exceptional 319 acre farm in Mississippi County, Missouri presents an incredible opportunity for agricultural enthusiasts and investors alike. Boasting 268 tillable ...
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...
NEW PRICE!!! 30 acres (Two Parcels) with custom 3-car, 3-bed, 3.5-bath home boasting stunning views, hunting trails, and a private stocked lake amidst Missouri's natural ...
NEW PRICE!!! 30 acres (Two Parcels) with custom 3-car, 3-bed, 3.5-bath home boasting stunning views, hunting trails, and a private stocked lake amidst Missouri's natural ...
Dacor, Miele & Subzero Kitchen Appliances. Poggenpohl Kitchen & Master Bathroom Casework. Jacuzzi Whirlpool Bath in Master Bathroom. Kohler Bathroom Fixtures. Whirlpo...
Exquisite Lake of the Ozarks home located in the heart of Osage Beach in coveted gated community of Woodland Cove. This mini mansion boasts over 6500 sq.ft, featuring 6 b...
This farm is in the beautiful rolling hills of the Missouri Ozarks just 38 minutes from Missouri’s wine country in Hermann. The property offers a nice mix of open pasture...
389 +/- acres between Vienna and Rolla. It is HARD TO FIND RIVER PROPERTY like this. Country Home, Hobby Farm, Cattle Ranch or weekend get-a-way. Wide diversity of habita...
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...
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....
Own a rare, highly versatile farm in Leasburg, a unique exception to the primarily wooded area. With vast open grasslands and fertile bottoms, this farm strikes the perfe...
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...
Welcome to the Ozarks!!! This is a rare opportunity to own 320+/- acres of MO paradise, covered in marketable timber, and some of the best whitetail & turkey hunting the...
4BR, 3 FULL BA, 2 1/2 BA, QUALITY BUILT BRICK HOME ON 6.26 AC OUTSIDE CITY LIMITS. BUILT 1999, THIS HOME IS IN LIKE NEW CONDITION w/ CUSTOM OAK TRIM. THIS PROPERTY HAS TO...
* Great Income * 80 Tillable acres * 150 timbered acres * Trophy class deer have been harvested on this property, 190 plus * Very good waterfowl hunting in the South ...
227 +/- acre farm has MORE THAN MEETS THE EYE! Complete working farm that includes: recently built home – 100’ Greenhouse – Workshop – MULTIPLE PONDS - Buried vented cont...
2 Incredible homes! Amazing 6,160 sq/ft custom built home on nearly 10 acres with separate guest home with 1,344 sq/ft, 3bed/1bath living quarters and large garage space....
Rural homesite -or- development opportunity just east of Columbia! This 72+/- acre tract along S. Ben Williams Road west of Rangeline Road represents an extremely well-ma...
If you desire approx. 1 mile of river frontage wi/ over 100 acres of farmland with abundant wildlife, this playground is for you! The 4 bedroom & 2.5 bathroom home showca...
If you desire approx. 1 mile of river frontage wi/ over 100 acres of farmland with abundant wildlife, this playground is for you! The 4 bedroom, 2.5 bathroom home showcas...
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...
Nestled in the Historic Downtown District, one of Sikeston's most desirable neighborhoods, you will find a stunning 5392 Sq Ft home on over an acre of property! This home...
Check out this one of kind 196 acre tract in Adair County, Missouri! With a perfect mix of big timber and open ground this farm has the perfect ingredients to make a top ...
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 ...
This 4590 sq/ft gorgeous modern farmhouse is surrounded by mature trees & 59 acres. If you relax on the wraparound porch, balcony, walk out patio or sundeck, you will enj...
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...
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...
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...
Situated on nearly 160ac of pastureland & timber this property is a haven for both nature enthusiasts & those seeking rural elegance. For wildlife enthusiasts this prop...
Nestled along the tranquil shores of a pristine lake, this exquisite 4 bedroom estate offers a lifestyle of luxury living off the beautiful Carlinville Country Club Golf ...
Looking for the perfect hobby farm this is it!! 5 bedroom 3 bath home w/~27 acres was built in 2002.All custom cabinetry, hard wood floors and LOTS of space and storage.I...
WOW! THATS WHAT THIS HOME HAS! WOW FACTOR. TWO MASTER SUITES, CUSTOM KITCHEN, LIVING ROOM WITH CUSTOM WET BAR AND LARGE FIREPLACE, SEPARATE DINING ROOM, BREAKFAST NOOK, G...
TURN KEY PROPERTY! SO MUCH TO SEE HERE! 42.26 acre m/l Farm/Residential, Four Bedroom 3 bath home with superb Master Suite with a walk in closet & den that is just gorgeo...
This beautiful, one of a kind home, is a must see! The master en suite is absolutely stunning with it's large sitting room, walk in closet, and walk in shower. You will l...
Leave your cares behind as you drive to this picturesque, private oasis encased w/ surrounding woods. This home offers 4 bedrooms on the upper-level w/ a beautiful master...
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...
If you're looking for a custom built FOREVER DREAM HOME with acreage, look no further! Over 3,200+ square feet of living space with 4 bedrooms, 3 baths, and views that wi...
The Prairiecrest is a beautiful, farmhouse-chic, 2115 sq. ft., 3 bedroom, 2 bath, open-floor-plan home with a long list of unique features. The Prairiecrest offers the fo...
$695,000, Welcome to a newly renovated large home, 4344 sq ft with 3 separate living areas on 4.84 +/- acres and a serene private lake located in the county desirable wes...
You will fall in love as you enter the driveway! Beautiful park like setting w/approx 9.78 AC. Backyard is like an oasis w/inground pool, hot tub & stone walkways. 3BR/2B...
Nestled amidst natures embrace, this stunning 5-bedroom, 5 bath home boosts every modern convenience and comfort you could ever dream of. The property features geothermal...
Located in desirable Amber Meadows just minutes from Highways 70 & 40, this beautiful 5 bedroom home features almost 5,000 square feet of living space! Walking into the ...
STUNNING 6 Bedroom, 4.5 Bath home near Ft. Leonard Wood, I-44, Lebanon & Lake of the Ozarks. Home Lots in this development are abundantly private, and this home has over ...
Exceptional Custom Built Ranch Home on 5.03 acres in a private setting with a 30x40 pole barn/garage and a fully stocked 1-acre fishing pond with dock. Built in 2021, Fea...
Brand NEW CUSTOM BUILT HOME on 9 acres ! Conveniently located right off Hwy 67 in Whitetail Crossing. This exquisite floor plan is a rare find for new construction in ou...
Experience a blend of comfort & natural beauty in this stunning 4 bed, 2 bath home situated on 80-acre, nestled on the edge of Missouri Conservation ground. But the real ...
Located just NW of Bismarck & just across the St. Francois County line into Washington County, sits this wonderful country setting with a beautiful home & 60.18+/- acres....
SERENE LUXURY LIVING! This 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...
STUNNING RURAL 3 bedroom, 2.5 bathroom home sits on approximately 16.23 picturesque acres between Rolla & Salem. Entering from the inviting covered front porch, you are ...
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...
This amazing property is perfect for anyone who wants to enjoy the peace and quiet of the country life. The house is spacious and comfortable, with plenty of room for ev...
This Bold Luxury-Contemporary, BRAND NEW home is in an exclusive neighborhood and is the talk of the town! Style & Pure Synergy is how you would describe the feeling of w...
4.5% FULLY ASSUMABLE fixed rate loan. Current P.I.T $3861.55!!! Must qualify. Country living at its finest! Enjoy the privacy offered by this beautiful 2 - year old home ...
Stunning custom 3-4 bedroom 3 1/2 bathrooms home sitting back off hwy with scenic trees along the driveway and around house. There is 6 secluded acres with the home, rela...
This magnificent Lebanon home appears to be ripped from the page of a magazine! Not one tiny detail was overlooked in the upgrades and add-ons of this already stunning wa...
Custom built 4 bed & 4 full bath Ranch home on 6+ acres with a 40x54 pole barn (on 220 electric & separate meter) just minutes from Hwy 70 and Wentzville! Plenty of space...
Horse lovers dream. This horse ranch is located just outside of town on 45 acres m/l. The home has recent updates & addition. There are 3 bedrooms & 2.5 baths. The ma...
Make this gorgeous and spacious property your new home. You will enjoy the feeling of living in the country while only a few minutes away from town. As you pull into the ...
Welcome to this stunning 3 bed, 3.5 bath home situated on a large corner lot. Step inside to find a spacious, inviting floor plan that seamlessly blends comfort & style. ...
BRAND NEW TURNKEY HOME! ** will add front side walk and rear gravel drive before closing. Don't miss this extraordinary opportunity to own a brand new modern rustic house...
Luxury knows no limits in this impeccable custom built home! Thoughtfully designed & positioned on .5 acre cul-de-sac lot, the private fenced yard offers splendid sunsets...
$595,000.00 3378 St. Hwy 21 S Ellsinore MO 63936 Very nice 3BR 2.5 BA earth berm style home with 3 car garage on 10 acres M/L!! This rustic style home is still like new...
This recently built home in the Twin Rivers School District has acreage and is now available for you to call HOME. 4 bed, 3 bath, and options for more, so check it out to...
Don't miss out on this amazing home in the Briar Lake Estates subdivision. This 4 Bed & 3 Bath home has a lot to offer! Inside you will walk through a grand foyer. Off of...
Live in Luxery and GO GREEN in this fab home with a Geothermal energy system. Enjoy the quiet cul-de-sac location. Custom designed by it's original & current owner, this ...
NEW ROOF! Nestled in a highly sought-after Waterloo, IL subdivision, this exquisite two-story home, meticulously maintained by its one owner, is a true gem. The exterior ...
Custom Built home to the extreme. 3,600 square feet of living area nestled on 2 acres just outside of Bowling Green. French doors off the foyer open into your office or...
This 4590 sq/ft gorgeous modern farmhouse is surrounded by mature trees & 9.5 +/- acres. Up to 50 additional acres is available. See MLS #23059714. The home features a wr...
Are you looking for magnificent 5 bedroom 4 1/2-bathroom home on unincorporated property. This approximate 3500sqft home has everything you have been searching for!!! Whe...
2548 Stone Ridge Drive Poplar Bluff, Mo 63901; $550,000; Spectacular 5 bedroom, 6 bath home with lots of wow factor and sure to impress!! From the time you enter the fron...
Enjoy the serenity of country living on 12 acres in charming home that has been thoughtfully updated by Thomas Construction. A 10 min drive from Osage Beach or Iberia, pr...
If you desire approximately 20 acres of farmland with river frontage and abundant wildlife, this playground is for you! The 4 bedroom, 2.5 bathroom home showcases beautif...
This unique property has a 3 bedroom, 2 bath, story and a half brick home with a full basement, two car attached garage, ground source heat pump for central heat & air, b...
This home, property, and shop has so much to offer! Located in a very sought after area this property offers seclusion and privacy. The 3 bed, 3 bath home is situated on ...
This inviting 15+/- acres has so much to offer!Starting with the house and large covered porch. One bedroom up with walk in closet and full bath and two bedrooms main lev...
Newly remodeled 3 bed/3bath Ranch home situated on 5 beautiful acres with barn & pasture make this property the perfect hobby farm or countryside retreat! With over 3000 ...
Home will not disappoint! Expect to be impressed with this full brick, one-owner home in Calhoun County. This move-in ready home boasts 4 bedrooms, a spacious finished ba...
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 ...
Beautiful Country Estate! This property is a hidden gem. Minutes from Farmington and Fredericktown and PRIVATE! Entering the property thru a wooded, shared drive the prop...
Discover the epitome of modern living in this exquisite 2-story, 4-bed, 2.5-bath home nestled in a vibrant golf cart community. Each bedroom is a sanctuary featuring spac...
Fantastic opportunity in Unincorporated St Charles County, Francis Howell Schools on 3+ Acres with an Amazing 9+ car Garage/Outbuilding/Workshop. Beautiful tree lined p...
Super private large 4 bed 3.5 bath country home minutes from town! Open floor plan with so much space. Kitchen has plenty of cabinets and stainless steel appliances.Finis...
Indulge in the tranquility of a secluded log cabin nestled among trees. This enchanting property seamlessly combines rustic allure and modern comfort, inviting you to emb...
Welcome to Whisper Ridge Retreat, your own private sanctuary nestled on 122+/- acres of rolling timber with abundant wildlife. This secluded property offers extreme priva...
STUNNING HOME WITH SPECTACULAR VIEWS!! This handicap accessible 5 bedroom, 3 bath home is ideally situated just outside of Dixon. The main level of this incredible home o...
NEW CONSTRUCTION!! This 1800 sq ft TBB new construction home is settled on 3.27ac in a quiet Warren County Subdivision. Features 9ft vaulted ceilings. Kitchen features gr...
Custom built raised ranch with finished walkout lower level and fenced pool, plus 2 car garage with additional parking pad. Sits on 5 acres with a small pond. Property is...
Looking for your own private getaway just outside of town? Great for hosting family events, games, parties, and much more! This home has the space for it all! With the 2....
This 120 year old farm house sits on 11.2 acres and has 4 bedrooms with possible 5th and 3 bathrooms. House has been renovated with modern conveniences; featuring sunroo...
Lovely 4 bedroom 4 bath home with beautiful views and serene setting in Winchester Hills that sits on 3+ m/l private acres. This home features a large open floor plan, li...
Just out of view off of a quiet county road you will find this custom built home on 20+/- acres. At nearly 3,000sqft this 3bed 2bath home has much to offer. The handmad...
Want a piece of paradise? This is it! This custom built, log sided home is absolutely stunning! The seller is the original owner and has designed the home with so many ...
$499,900.00 251 Rival Lane, PB. Large 6 bedroom 4 bathroom home with attached 2 car garage sitting on 13 acres m/l minutes from town!!! Home was built in 1999 with 3,480...
This beautiful home with all new carpeting and lighting throughout has the exact space you need for all your family and friend gatherings. The great room will keep everyo...
This 2-year old one-of-a-kind home, minutes from I-55 or downtown Perryville, will leave you breathless. Upon entering, your eyes will be drawn to the floor to ceiling bl...
Your next home, weekend getaway, or rental (and let someone else pay for your cabin!) This Current River home has extras you won't find anywhere else. The drive has been ...
Historic Farmhouse built in the year 1900 on a 40 Acre Dairy Farm complete with several Barns! This Beautiful 2 story Farmhouse was built with purpose and comfort feature...
Lovely 1 1/2 story custom 4 bed 4 bath home located on 2.98 acres w/wrap around covered porch on 3 sides of house, 9' ceilings, 2 car side load garage. The kitchen is w/o...
Experience convenience & privacy on this 31± ac mini-farm, just 15 min from 4 communities. 1 hr from the state capital & Lake of the Ozarks, property offers accessibility...