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 land truly showcases just how beautiful Missouri can be. Wooded, rolling hills continue along and around the property, creating that serene atmosphere that often acc...
Location, Location, Location!! Meticulously maintained property with 40 acres m/l and a 5536 sq ft m/l custom home with 3 bedrooms and 5 bathroom. Lots of natural lightin...
Location, Location, Location!! Meticulously maintained property with 40 acres m/l and a 5536 sq ft m/l custom home with 3 bedrooms and 5 bathroom. Lots of natural lightin...
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...
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, ...
Location, Location, Location!! Meticulously maintained property with 18 acres m/l and a 5536 sq ft m/l custom home with 3 bedrooms and 5 bathroom. Lots of natural lightin...
Are you looking for a custom-built, 1.5-story home with river views? This three-bedroom, three-and-one-half-bathroom home has all the features you would want in a river ...
This peaceful 74.98 acre creek front property has a dream home with 4 beds/4 baths and 3 car attached garage. It is turn-key with all furniture & appliances included. T...
This peaceful 74.98 acre creek front property has a dream home with 4 beds/4 baths and 3 car attached garage. It is turn-key with all furniture & appliances included. T...
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 property has everything that you could ask for; privacy, 160 acres of pasture and woods, a very large nice home and a big garage as well as other out buildings. Priv...
One in a million type home. Sprawling 5000 plus square foot hacienda with two master bedrooms, two living rooms, a family/bar area, and a 900 square foot great room with ...
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...
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...
$125,000 price reduction after new updates. An outstanding English Tudor Estate, nestled on 9+ acres. A long private, tree lined driveway, with pond & horse barn. The gr...
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...
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...
In the exclusive Lake Forest Estates 30 min. from STL. This waterfront home is being sold Turnkey. Home comes fully furnished. Drop your bags and enjoy the Lake! Newer in...
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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...
6 Bedroom, 4 &1/2 Bathroom, 3 Car Garage TOP OF THE LINE EVERYTHING on over 3 flat acres in the Country with a Circle Drive! This was a Custom Build, no expenses were spa...
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...
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$645,000. 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 3,480sq....
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...
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...
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...
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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...
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, ...
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: Granite counter tops, 9...
MOVE IN READY - BRAND NEW INVENTORY HOME Located in the sought after Wentzville North Point Middle/High Schools. Custom Cabinetry, main floor master suite and 1 addit...
Four family is located in The Grove in close proximity to Forest Park, Barnes Jewish Medical Complex, Washington University School Of Medicine, St. Louis University, Cort...
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...
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 ...
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...
$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...
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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...
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This one of a kind custom built home has all the character of a Farmhouse and it's less than 17 years old. Hardwood floors, transom above the rooms, fireplace in the livi...
2 Bedroom, 1 Bath, full kitchen/Living quarters located inside of this busy and successful Mechanics Shop! Have you ever wanted to be able to get off of work and just go ...
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Coming Soon! Start your next chapter with this beautiful new construction home in O'Fallon's Premier Neighborhood - The Reserves of Timber Ridge. This Kaylee floor plan, ...
Gorgeous 6-bedroom, 4-bathroom ranch nestled on 5 acres in Troy, MO. Boasting nearly 4,000 sq. ft. of beautiful, modern living space, you’re sure to fall in love with thi...
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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...
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The property is being SOLD in "AS IS" Condition as part of a package deal! Owners do not wish to spit up! See MLS # 22075307 and MLS # 22075919. Price reflects la...
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Open House! Sunday 5FEB 1p-3p. Brand new Construction from Custom Home Builder Warren Homes! 4 Bedroom Craftsman Ranch. Steps from the MCT bike trails in the desirable ...
Are you looking for an immaculate 5 bedroom, 4 1/2 bath home in Mineral Point??? This property sits on approximately five acres of unincorporated land. This is an up-and-...
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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...
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"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 ...
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CUSTOM BRICK HOME LOCATED ON DOUBLE LOT! PRISTINE 4 bed/3 bath adorned w/ impeccable landscaping- no detail left untouched!! Inside is the LR w/ a cozy fireplace and form...
Looking for that perfect location where you can have private country living & be only minutes from town? Then this IS THE ONE FOR YOU. This swank updated 4 bed 2.5 bath ...
The 3 Bedroom Ranch home includes a 2' Deeper Garage, Walkout w/ 8' tall Foundation Pour, Deck off the breakfast room, Vaulted Great Room, 42" Soft Close Kitchen Cabinets...
New Home now under construction in Pine Trails Subdivision. Open floor plan with over 1800 square feet. 3 beds 2 baths with a split bedroom floor plan. Upgraded finishes,...
SELLER BUYDOWN APPROVED Completely remodeled traditional build ranch home, detached barn on just under 3 acres. The updates are extensive and immaculate. New items includ...
Trendy new Wesley plan by Fischer Homes in beautiful Riverdale. This stylish two-story home includes everything you need for your next home. The kitchen features a large ...
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