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.
Don’t miss this incredible opportunity to own a beautiful 3-bedroom, 2-bathroom home on Glenn Shoals Lake, one of the area’s premier recreational destinations! This invit...
Welcome to your own slice of the country at 20756 State Highway C in Belgrade, Missouri! Tucked away in a peaceful, remote setting just off a state-maintained road, this ...
Discover the perfect blend of comfortable country living, functional workspace, and modern efficiency with this well-equipped 4-bedroom, 2-bath ranch-style home. An attac...
Discover the perfect blend of serenity and functionality on this stunning, gated 6-acre estate. This meticulously maintained home offers two generously sized bedrooms, an...
This meticulously maintained one owner 3-bedroom, 3-bathroom home combines versatile living space, exceptional entertaining areas, a resort-style pool setup, and hunting ...
If privacy and plenty of space are what you’re looking for, this beautifully maintained custom-built ranch is sure to impress. Situated on more than 3 acres, the home off...
This 4 with the possibility of 5 bedroom home sits on 2.77 acres just minutes from Sikeston in New Madrid County School District. The windows, Roof and kitchen as well a...
Gorgeous, one-of-a-kind, contemporary home in Poplar Bluff! Situated in the cul-de-sac of a desirable neighborhood, this home offers great curb appeal with the home itsel...
Welcome to your own private retreat in the desirable Sherwood Forest area of Sullivan! This spacious 3-bedroom, 3-bathroom home is perfectly situated on approximately 11....
This is what four acres looks like when someone has truly loved where they live. Beautifully cared for, thoughtfully updated, and offering plenty of room to enjoy life bo...
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...
This inviting single-family residence, built in 2009, is ready for you to move in and begin your next chapter. Its Rambler designed home offers a genuine appeal, promisin...
Rare Sikeston find — 3-bedroom, 3.5-bath home with a private inground pool, fenced backyard, attached two-car garage, and finished basement offering flexible bonus space....
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...
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...
*Seller is offering $5000 credit with acceptable offer* Built in 2018, this solid, well built ranch style home offers the perfect combination of quality construction, mo...
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...
Picture your mornings out here: coffee on the spacious deck, a walk down to the pond, a handful of cherries or plums picked on the way back and breakfast eggs from your o...
Welcome home to this exceptional ranch home on large lot located in a cul-de-sac in the well established Holiday Park subdivision This property has been meticulously mai...
Discover the perfect blend of comfort, space, and outdoor living with this exceptionally well-maintained 3-bedroom, 3-bath home situated on 3.10 acres just a few miles fr...
Looking for a new adventure? Don't miss this 16 acre hunting lodge just 2 miles from Forest Lake and Thousand Hills State Park, perfect for nature lovers and those seeki...
Fully remodeled home on over 4 acres, located on the edge of town at the end of a private drive for sale in the Ozarks! This move-in ready 4-bedroom (2 bedrooms are non c...
Welcome to this beautiful 3-bedroom, 2.5-bath home offering an abundance of space and thoughtful features throughout. The open-concept design, 9-foot ceilings, and split-...
Motivative Seller! Spacious 4 bedroom, 3 full and 2 half bath home situated on 5.12 acres offering the perfect blend of country living with convenient access to nearby am...
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...
PRICE REDUCTION: Majestic, Custom Built, One Owner Home One with Class, Style, & Quality Construction. Beautiful Entrance Foyer with Lots of Natural Lighting, Tile and Ma...
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 modern living and country privacy with this stunning shouse-style home, built in 2024 and nestled on over 8 acres! Offering 4 bedrooms, 2.5 ...
Don't miss the rare opportunity to purchase a home in College Park renovated in 2026 with stunning views of Garrett Lake. Enjoy the peaceful scenery from inside this char...
Check out this amazing home with acreage RIGHT outside city limits of Farmington. Homes like these do not come around often. This beautiful property includes 3.4 acres wi...
Only 2 years young with over $110,000 in builder and post-construction upgrades plus a new deck with a covered patio below, this 3 bedroom, 2 bath ranch is one you’ll wan...
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, ...
Welcome to country living at its best in one of the area's most private and highly sought-after subdivisions—a location where properties rarely become available! This 4-b...
Looking for acreage, privacy, and plenty of space both inside and out? This 5-bedroom, 2-bath home sits on approximately 16 acres while still offering convenient access t...
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...
Welcome to your own private retreat at 8431 Fawn Hill Lane! Nestled on 2.21 beautiful, secluded acres, this spacious ranch offers the perfect blend of comfortable living,...
LAKEFRONT LIVING AT ITS FINEST — YOUR PERFECT RETREAT AWAITS! Whether you’re searching for a year-round residence or the ultimate weekend getaway, this beautiful lakefron...
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...
Welcome to 40 Ridgeway Dr! Built in 2019, this beautifully maintained Craftsman-style home offers approx. 2,835 sq ft on a spacious .75-acre lot in Sandstone Estates. Enj...
Move in before the holidays new photos every week on this beautifully upgraded 4-bed, 3-bath Craftsman Ranch. This light-filled home offers an open floor plan with vaulte...
WELCOME HOME to YOUR NEW MODERN CRAFTSMAN STYLE HOME on 5 ACRES ML of PASTURE THIS HOME IS CLOSE TO TOWN On BLACKTOP with ROAD FRONTAGE on TWO SIDES. THIS 4 BEDRO...
This 3-bedroom, 3-bathroom open-concept, multi-level home sits on 1.13 acres of land and features a double garage, shed, three separate living areas, with extra storage t...
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...
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 home to this beautiful Atrium Ranch! This property offers spacious living indoors and great amenities for outdoor areas which is perfect for entertaining by the p...
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...
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...
As you turn up the tree lined driveway to this property you get a feeling of “coming home". Make a point to see this private property. It overlooks a pond that is hidden ...
Some people dream of bigger closets, you're out there dreaming for more land.....well, here it is! BIG LAND. BIG PLANS. NO SMALL DREAMS! Welcome to 14655 & 14667 State Ro...
Beautifully appointed 3-bedroom, 2-bath home built in 2020 and set on 5.24 beautiful acres. Thoughtfully designed with an open-concept layout, this home offers the perfec...
This 3 bedroom, 3 bathroom home offers an open layout upstairs with a custom kitchen and plenty of natural space to gather. Downstairs, you’ll find even more open living ...
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...
Only one year-old and situated on 1.5 acres, this beautiful three-bedroom, two bath home, combines modern style with warm inviting finishes. The striking dark exterior is...
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...
Looking for a home in the country on a couple of acres with a super large yard, a 30x30 shop, and an inground pool???? Look no further! This ranch home comes with 3 bedro...
Properties like this are few and far between. Tucked away on 2.5 beautiful acres, this one-of-a-kind country retreat offers the perfect blend of rural charm, modern comfo...
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...
Welcome to Silver Lake Estates! This inviting 3-bedroom, 2-bath ranch offers over 3,200 square feet of living space, a 3-car garage, and a beautiful setting backing to wo...
This Beautiful 5 bedroom 3 bath home sits on 2.66 acres m/l and offer an amazing view and is just right outside of Poplar Bluff. This home also features a large un-finis...
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...
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...
41+ acres with 6 bedrooms and 3 baths. It has 2 kitchens, 2 living rooms, 2 dining rooms, and 2 washer hookups. This home was set up as a duplex; it could be converted ba...
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 ...
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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...
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New move in ready home! Jefferson model story & half 1817 Sq Ft, 3 Bedroom, 2.5 Bath, main floor laundry, and 3 Car Garage! Gorgeous curb appeal with a covered front porc...
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Discover the charm of Martin Creek, a growing subdivision located just outside the city limits and less than 10 minutes from downtown Farmington! This 3-bedroom, 2-bath h...
Discover the perfect blend of comfort and nature in this inviting 3-bedroom home set on a stunning 6.5 m/l -acre wooded lot. The new hardwood flooring adds warmth and ele...
Discover your own private retreat on 2.89 beautifully wooded acres, complete with a picturesque pond! Located just outside city limits in the desirable Highland School Di...
MODERN LIVING, SPACIOUS COMFORT & AN INCREDIBLE LOCATION IN WOODRIDGE SUBDIVISION! Welcome to this beautiful 4-bedroom, 3-bathroom home nestled in the highly desirable Wo...
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Prepare to fall in LOVE with this meticulously maintained & renovated home perched high above the mighty Mississippi River Valley, where spectacular panoramic views stret...
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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...
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Roomy Ranch 4 bedrooms, 4 baths, almost 1/2 acre. Property will pass Columbia Inspection. Property will pass City But Sellers Want to sell AS IS. About 13 rooms in upper ...
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...
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Motivated seller!! Price reduced 20,000 for quicker sale. This spacious 3-bedroom, 3-bath home also features four additional finished bonus rooms, giving buyers the flexi...
Welcome home to this elegant ranch tucked away on a quiet cul-de-sac! A covered front porch welcomes you into the formal entry foyer, where hardwood floors lead to a vaul...
Beautifully fully remodeled 2-story home in a highly desirable neighborhood in Ste Genevieve with great views and convenient access to all amenities. This move-in ready h...
Impressive in both size and style, 224 Washington Heights Drive offers an exceptional amount of living space with beautifully updated finishes throughout. Situated on a d...
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Welcome to 625 Rhapsody Lane in Troy, IL, an upscale new construction villa in the highly desirable 55+ Serenade Villas community. This beautifully crafted home offers ex...
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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. ...
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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...
Exceptional care shines throughout this inviting 4-bedroom, 2.5-bath home, offering approximately 2,300 square feet of living space in the sought-after Villages of West L...
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Welcome home to this beautiful two-story Craftsman-style residence nestled in a quiet, sought after neighborhood! Filled with warmth, character, and thoughtful updates, t...
Discover the space, privacy, and versatility of this 4-bedrooms, 3-bath home situated on approximately 6.62 acres just minutes from Rolla. With more than 2,400 square fee...
Seller has a 6.125% VA ASSUMABLE INTEREST RATE! Inquire for details! Home sweet home on Alice Drive! Located near the cul-de-sac in the Pinnacle Homes at The Summit neigh...
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...
4BD/3BA contemporary custom-built house by Ronnie Reeves on 2.32 acres in 2019 with a 30 x 40 shop s/concrete floor and an RV hookup. Large Kitchen with Stainless Steel ...
Listings courtesy of Mid America Regional Information Systems Internet Data Exchange as distributed by MLS GRID. 
Based on information submitted to the MLS GRID as of . All data is obtained from various sources and may not have been verified by broker of MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some listings have been excluded from this website.