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 ...
First time ever on market after being held by many generations. This former tree farm is approximately 96 acres of land that borders the Edwardsville city limits. The t...
Enjoy a world of tranquility in this 30-acres (Two Parcels) 3car, 3bed, 3.5bath home that offer breathtaking views, hunting trails, and a private stocked lake all while e...
Open this Sunday 1-3 Pm! Enjoy a world of tranquility in this 30-acres (Two Parcels) 3car, 3bed, 3.5bath home that offer breathtaking views, hunting trails, and a private...
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...
Dacor, Miele & Subzero Kitchen Appliances. Poggenpohl Kitchen & Master Bathroom Casework. Jacuzzi Whirlpool Bath in Master Bathroom. Kohler Bathroom Fixtures. Whirlpo...
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...
Development opportunity just east of Columbia! This 113+/- acre tract along S. Ben Williams Road west of Rangeline Road represents an extremely well-manicured farm ready ...
This amazing 6 bedroom 4.5 bathroom sitting on 29m/l acres has so much to offer and is less than 2 miles from town. Upon entry the 14.5 ft ceilings and the nearly 10ft w...
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...
**More pictures coming soon** Welcome to the rolling countryside of the city of Winfield and this beautiful piece of land that could be yours! 85.69 Acres in Lincoln Coun...
* 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...
Welcome to your dream home! This home has been completely gutted to the studs & 3600 sq ft of new construction was added in 2016. Everything is new– roof, siding, electri...
The possibilities are endless with this property. Home, vacation home, weekend getaway, hunting lodge, or Air BNB! This 3 bedroom 1.5 bath sits on 181 acres just a shir...
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...
This 100 acre farm in Ralls County, Missouri is conveniently located just 5 miles north of Center and offers an outstanding opportunity for outdoor enthusiasts. The prope...
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 ...
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...
Extreme Price Reduction, Sellers Relocating . An amazing opportunity to own your own stunning private retreat. Located just minutes from West Plains Missouri, bordering t...
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...
Opportunity to purchase 3 connected townhomes located in The Grove in close proximity to Forest Park, Barnes Jewish Medical Complex, Washington University School Of Medic...
Horse lovers dream. This horse ranch is located just outside of town on 45 acres m/l. The home has recent updates and addition. There are 3 bedrooms and 2.5 baths. Th...
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...
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...
IMPRESSIVE +/- 4,800 SQ FT HOME JUST MINUTES FROM ROLLA! Privately situated on approx. 5 acres, this gorgeous home offers so much space! Entering from the timber frame po...
Nestled in a prestigious neighborhood just miles from Ft Leonard Wood and I-44,this meticulous custom home caters to your every desire.Step inside the entry foyer,featuri...
Sitting on double lot just south of the bridge and only minutes from the town of Doniphan, is this beautiful Jack Griffin built 3 bedroom 2 1/2 bath log cabin that comes ...
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...
"SOMEDAY" has finally arrived. Resort style living is now affordable. Raintree Plantation is one of the areas most sought after gated communities and will not disappoint....
RALLS COUNTY, MO LAND FOR SALE *Acreages are approximate, dependent on survey. Just a few miles off scenic HWY 79 lies the rolling green hills of Ralls Co Missouri...
Remarkable property with River Frontage! Purchase a "lifestyle", not just a home! 51+ beautiful acres with a perfect mixture of pasture, woods and water! This property pr...
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...
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 ...
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...
Welcome to this rare find in Jackson. This 6-plex features 6 units each with 2 bedrooms/2 baths, open floor plan with vaulted ceilings, all appliances including washer a...
Technology & convenience! Lighting, thermostats, garage doors, doorbell, security cameras, Wi-Fi, and audio are controlled from your smartphone! Main level living room LG...
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...
Luxury VAULTED OPEN PLAN ranch, nestled on 8 SCENIC ACRES with upscale outbuildings in QUIET RURAL SETTING just 5 minutes to Highway 55. Charming curb appeal with COVERED...
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...
Get ready to JUMP IN THE POOL! It's HOT outside and so is this 6,000 Sq. Ft. Luxurious 6 Bedroom, 4.5 Bathroom home! It is a Complete Custom build in a very desirable are...
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 ...
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...
Your Foristell forever home! This custom build is less than 4 years old and features a newly finished basement adding around 1,800 sf providing almost 4,000 total sf of l...
Multi use property and a RARE find in Jackson! This property is not only beautiful and it's completely useful. Starting with the main shop on this property, its a complet...
Need space to live, you found it !!!!!! 40+ acres with beautiful two story home. This custom built home has all there is to offer. 3+ bedrooms, 3.5 bath. Home build com...
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....
Custom built 4 bed & 4 full bath Ranch home on 6+ acres with a 40x54 pole barn (on 220 electric and a separate meter) just minutes from Hwy 70 and Wentzville! Plenty of s...
This pristine brand new Pin Oak Home in Fox Creek Estates could be yours w/o the 7-12 month wait! This beautiful brick elevation home is nuzzled in a quiet cul-de-sac. Y...
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 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...
Fabulous Home Under Construction: All Brick, 2400 finished Sq. Ft. *5 bedroom*3 Bath*Hardwood Floor throughout main area*Tile in baths & laundry* Kitchen: Quartz counter...
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Welcome to this hidden gem offering you the perfect retreat on a sprawling 10-acre property. Located within the East Elementary in Jackson School District, this home comb...
Don't miss this extraordinary opportunity to own a brand new modern rustic house on 10 acres in Farmington, MO with blue ribbon public schooling! This custom-built home o...
The ranch house of your dreams! This 2019 built home is situated on 88+/- acres. Entering the home from the covered front porch with ceiling fans, you will be welcomed wi...
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. ...
This is everyone’s dream home! New Construction! Located on a paved road on Lebanon’s Northside, with 9 ac this home is a fully equipped smart home. Featuring 4 beds, 4 b...
$595,000.00 251 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...
WATER FRONT home on HOLIDAY SHORES LAKE. This 3 bed(possibly 4), 3 bath, open floor plan home, with a finished walk-out, basement and huge deck has everything you need to...
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 ...
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 boasts a b...
Wow! LOOK HERE--Selling is willing to buy the rate down for the buyer 2% for a maximum cost of $12,000. From Today's rate that would be a rate of 6.125%Washington Schoo...
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 135.9+/- acre tract consists of great road frontage, good fencing, pasture ground and a pond for a water source that would make a great opportunity for a cattle farm...
This property will not disappoint!! Lovely 3 bedroom, 3 bathroom home with oversized attached garage that sits on 20 acres (6-8 acres are tillable). The exterior of the h...
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'...
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...
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...
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...
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...
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...
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...
This Stunning Executive 4 bed/4bath home w/exceptional curb appeal located in Columbia is just waiting for you to call home! As you step inside you will notice all the fi...
Come check out the gorgeous sunrises and sunsets right from your deck! Immaculate ranch style home nestled on 59 fenced acres, prime cattle, and hunting land. Includes 5 ...
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 ...
GORGEOUS NEW CUSTOM HOME IN BEAUTIFUL NEIGHBORHOOD! With almost 2200 square feet of main floor living space on 3 level acres and blacktop streets, this dream home has it ...
Welcome Home! You wont want to miss this stunning, well cared for 2 story in the sought after Stonemoor Neighborhood! New Northpoint Highschool and Wabash Elementary! 9' ...
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...
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 ...
Nestled near the picturesque town of New Bloomfield and bordering Mark Twain National Forest, 18.10 acres, offering a truly unique opportunity to create your own haven in...
You will love this brand new 5 bedroom, 3 full bath new construction home on 3 acres located just 15 minutes to Quincy! Gorgeous wooded views all around and a beautiful v...
Welcome Home! This stunning brick home is located in the desirable Lake Forest Community. Step inside to the beautiful living room featuring vaulted ceilings, built in bo...
Welcome to this one of a kind property! As soon as you step inside, you will be in awe of the grand entry foyer that invites you into this beautiful home. Featuring 4 bed...
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...
Looking for a home on 4.16 acres in Moscow Mills, Missouri? Situated on Lot 4 of The Bluffs at Eagle Fork is a Senaca home plan. You can live in this beautiful spacious c...
FABULOUS FIND! Home on 8 acres with timber. Imposing entry foyer with Maple floors opens to great room with wood burning fireplace flanked with windows that command an a...
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...
VIP 4710 Call to schedule a private showing today!! This full brick home has had some recent updates with a brand new heat pump, septic tank, and newer roof and stainless...
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...
Beautiful traditional, brick home in one of the most desired subdivisions in Sikeston! Open concept floor plan with spacious living room that leads to a screened in porc...
MOVE IN READY - Fully SODDED yard with IRRIGATION SYSTEM - BRAND NEW! Soaring 2 story foyer ceilings w/ private office off entry area. Great room features vaulted 14' cei...
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 ...