How to Apply for a USDA Home Loan
Select a loan program. The USDA offers two loan options for buyers. If you have an income at or below 115 percent of the median income in your area, you might qualify for a Guaranteed Housing Loan. Buyers with a very low or moderate income can apply for a Direct Loan, also known as a Section 502 Loan, to purchase a home in a rural area. The home must be your primary residence.
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