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.
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...
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...
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...
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...
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...
GET READY FOR THOSE HOT SUMMER DAYS ON THE CURRENT! This prestigious waterfront property, located approx. 2 mi. from Doniphan, is the epitome of luxurious river living. T...
Magnificent home for sale in Fox Creek Estates! This custom-built property offers a vacation-at-home experience, situated on over an acre cul de sac lot on the 5th & 9th ...
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....
Upscale estate built on 2.82 gorgeous, extremely well manicured acres right outside the city limits. Beautiful hardwood floors span throughout the main level. Kitchen fea...
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 estate has a private, country setting on 6.8 acres including a barn and creek. Modern farmhouse offering many desired features and amenities. Three levels of living ...
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 ...
This 72 +/- acre parcel truly has everything a person living in the country could want. The 2014 sq ft home has a large family style kitchen and separate dining room. The...
Welcome to the joy of country living at this 27 ac homestead w/ a custom built home & a massive shop that has an office, a bathroom, heating, & several oversized garage d...
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...
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...
The 4bed 3bath home was built by Dowd Contracting in 2015. Hand scraped hickory throughout the main level, kitchen with custom cabinets, large island, and granite counter...
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...
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...
Here's the opportunity you have been waiting for with this spectacular farm perfectly situated to provide that quite country lifestyle! This 40 +/- acre property delivers...
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...
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...
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 ...
Incredible Custom 2005 Built 3900 sq ft total Ranch on a Spacious 1 Acre lot in an Executive Neighborhood. Home features Brand new 3/4" Hickory Hardwood Floors in Family ...
Do you want a large home to accompany your family with property; a home to entertain guests; a home with a mother-in-law suite, a home with income from vacation travelers...
Experience lakefront luxury living at its finest in this stunning custom brick home! Boasting 3 bedrooms & 3 full baths, this home offers a PRIME cove location on 127 acr...
A great chance to own a highly-productive and entirely tillable farmland tract in the Mississippi River Bottoms. These 64.7± acres sit to the West of Highway 96 in the ve...
Magnificent estate that feels like a retreat in a serene setting; offers breathtaking views & plenty of privacy! This rare opportunity encompasses a 4 bed/3bath home on 2...
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...
Just a short 10 minutes drive from Jackson you’ll find this charming property with so much to offer setting on just under 45 plus acres of open and wooded ground perfect ...
Two-story Colonial custom-built luxury home on a large corner lot in Greenbrier Estates is one of Sikeston’s best kept secrets! Layout, location and size of this home mak...
$225,000 price reduction after new updates. An outstanding English Tudor Estate, nestled on 9+ acres. A long private, tree lined driveway, with pond & 4 stall horse barn...
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...
This one-of-a-kind Luxurious 6 Bedroom, 4.5 Bathroom home is a Complete Custom build on a quiet Lane in the country! With over 3 acres of flat, rolling lawn you will enjo...
A Rustic Lane leads to a very private place with peaceful woods and beautiful brick home set in a sun-streaked glen. This 7.15 ac wooded site is home to a host of creatur...
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...
Luxurious living & gorgeous views! This custom, open floor plan boasts expansive windows & carefully crafted details throughout. Guests are greeted by a tiered water foun...
Minutes from Lebanon but miles from nowhere! Private but yet still convenient to town. This 3 bedroom 2.5 bath ranch sits on 19.4 acres of grassland and timber with an ac...
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...
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...
Fabulous Home Under Construction: All Brick, 2300 Sq. Ft. *4 bedroom*2 Bath*Hardwood Floor throughout main area*Tile in baths & laundry* Kitchen: Quartz counter tops, 9 ...
One owner, custom built 3 bedroom, 2.5 bath dreamy ranch home. Spacious interior flows effortlessly from room-to-room & is immersed in natural light! Gather in the gourme...
A peaceful setting you will never want to leave! This stunning custom built home with 3 beds, 3 baths, 1200 sqft garage on 3 acres is a must see! Beautiful landscaping ...
This home is a Rare find, located in the Central R3 District, which is in high demand, and won't last long. If you like good country living at It's Best, with good neighb...
Welcome to your dream home! Nestled in the charming town of Mascoutah, this gorgeous 3/4 brick home on a half acre offers the perfect blend of elegance & comfort. With 3 ...
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 4300 +/- meticulously maintained one owner 1.5 story brick home has SOOO much to offer for all! Main level master suite, office, formal and informal dining, large l...
$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....
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...
Discover your secluded paradise at 22218 Rolling Hills Lane! Nestled on approximately 30 acres of rolling pastures and thick wooded areas, this picturesque property offer...
Everything you need on one floor in this perfectly designed custom home featuring attention to detail and high-end finishes. Walking through the french front doors to thi...
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...
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...
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'...
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...
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 ...
$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...
Nestled in 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 t...
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...
30± acres of prime Boone County land on HH, north of Columbia. This property is ready for development with public water and electric at the property. Or bring your custom...
MOVE IN READY - Fully SODDED yard - BRAND NEW! Soaring 2 story foyer ceilings w/ private office off entry area. Great room features vaulted 14' ceilings with a wall of w...
Opportunities abound with this beautiful bardominium sitting on 3 acres! Currently set up for owner's business on one side and rented on the other, this property could ea...
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 ...
Welcome home to tranquil lake living! Beautifully designed executive home with stunning views offers welcoming entertaining spaces inside & out. 2 story foyer welcomes to...
JUST LISTED!!! This gorgeous home on 3+/- acres, sits in the well sought after Greenlefe Subdivision! You'll love how this home is tucked back on the end of a cul-de-s...
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, ...
Amazing Views & Country Living on 3.5 acres close to town & I-55, meticulously well-maintained spacious brick Atrium Ranch is the whole package! 3 beds/4 baths+ 2 car gar...
1341 & 1415 Schleeper - One parcel - 18.41 ACRES - 2 HOMES - MULTIPLE OUTBUILDINGS - Unique Calhoun County property! - HOUSE #1: Custom built 2007, fully constructed of r...
Custom to be built 1870 sq ft 3 bed 2 bath ranch home w/a gorgeous view on 3 acres. This beautiful open floor plan home features 9ft ceilings throughout, master suite w/L...
A little piece of paradise! This 2853 sq ft home boast a spacious open floor plan with vaulted ceilings, hardwood, ceramic tile, custom blinds, enormous master bedroom su...
NEW CONSTRUCTION!!!!! Looking for your little oasis but still close to town? THIS home is it! This 1,720 sq ft new construction 3 bedroom, 2 full bathroom home is locate...
Don't miss your chance to own this Newly Constructed 3 bedroom 2 bath home in the highly desired Fette Orchard Subdivision! Home features granite kitchen countertops, mai...
This one is a showplace! Featuring 2,980 sq ft, an open floor plan, sunny interior, big rooms, stunning master suite, gorgeous kitchen, finished basement, oversized 36x2...
This cedar & stone-sided earth home is nestled down a private rd. The covered porch spans the length of the home, overlooking the sm pond & quiet countryside. The patio i...
NEW CONSTRUCTION!! This 1800 sq ft new construction home is settled on 3.26ac in a quiet Warren County Subdivision. Features 9ft vaulted ceilings. Kitchen features granit...
Look what is NEW in Farmington! Maple Ridge has a new addition. This BRAND new home has an additional garage and walk-out for your home office. Very well designed to enjo...
$$ REDUCED $20,000 $$ You do not have to wait for the builder to build you a home here it is! Instead look at this Beautiful 1 year old Ranch home. 4 Bedrooms, 3 Full bat...
Seclusion and privacy comes with this vinyl sided home sitting on 118 acres m/l joining government ground. Mostly wooded hunting ground. House has a covered 6 x 20 porch ...
Looking for somewhere to relax and enjoy the best of country living? Less than 5 minutes to the Gasconade River!! Look no further. This beautiful brick home is situated...
Looking for somewhere to relax and enjoy the best of country living? Less than 5 minutes to the Gasconade River!! Look no further. This beautiful brick home is situated...
Welcome to 1248 Scuddler!! This new construction home aims to impress. The main level features a split bedroom floor plan with the master suite on one end, and two addit...
This exquisite 4 bedroom, 3 bath home has abundance of space and storage. The main level features 3-bedroom 2 bath and laundry room, with several storage closets. The li...
BRAND NEW HOME on just over 12.5 acres with NO RESTRICTIONS and a BRAND NEW POND! Conveniently located just a few minutes from town. This 4 bedroom, 3 full bath ranch wi...
This 3 bedroom (could be 4 with non-conforming bedroom in basement) 3 bath all brick home has so much to offer. Home has a large kitchen/dining combo with custom cabinet...
McBride Homes’ Nottingham two story 4BR 2.5BA home move in ready this Fall. THREE CAR GARAGE! Beautiful kitchen features square center island with breakfast bar, dark 42”...
Nestled in the quite country setting on the West side of Montgomery County is this beautiful 3 bed, 3 bath home on 15 acres, offering a truly unique opportunity to creat...
This Immaculate, Newer Construction, open-concept ranch features 4 bedrooms, 3 car garage, and a partially finished basement with loads of storage. The front foyer opens...
This property turns heads as it covers a city block and is surrounded by a historic, rock wall. This is where the Williamsville School once sat. On the hill now sits a 4...
Gorgeous 5 bed/4.5 bath home in the highly desirable Oak Knoll South. Nested on a peaceful cul-de-sac, this home offers supreme privacy, easy access to popular trails, an...
LOCATION LOCATION! Custom built home sitting on 7.38 m/l acres waiting for you in the highly sought out subdivision of Eleven Point! This immaculate home features an open...
Nestled on 12.93 acres of prime land, this stunning 3-bedroom, 2-bathroom ranch-style home with a tranquil setting on a large pond offers the perfect blend of modern livi...
Located approximately 1mile from Potosi’s city limits, this 2020 built contemporary home offers both country living and convenient location. The main floor includes 3 bed...
Start enjoying the lake life with your entire family! Plenty of space for everyone in this recently updated lake home. The main level features 3 bedrooms and 2 baths, wit...
Gorgeous log home sitting quietly back from the road on 17 wooded acres. This open and spacious 3 bedroom (2full/2 half bath) home boasts a beautiful great room with va...
Gorgeous log home sitting quietly back from the road on 17 wooded acres. This open and spacious 3 bedroom (2full/2 half bath) home boasts a beautiful great room with va...
Beautiful 4 bedroom 2.5 bath Villa on the waters edge, a cart path to your front & back door, easy access to your dock slip or to go visit your friends and neighbors. Own...