USDA Loans for Rural Properties

Qualified rural home buyers can purchase a home with a low-interest, 0%-down mortgage with USDA home financing.

Enjoy rural homeownership with affordable terms

USDA rural housing loans make homeownership possible for low-to-moderate-income buyers in rural areas. Because these types of loans are backed by the government, they offer low rates and require no down payment—making it easier than ever to buy where you live and work.

No down payment required

Whether purchasing or refinancing your home, your USDA loan offers 100% financing. That means you don’t have to come up with thousands of dollars upfront.

Lower mortgage insurance rates

Rural housing home loans often require lower monthly mortgage insurance amounts, so you keep more money in your pocket.

Flexible lending requirements

USDA loans offer flexible credit score requirements compared to other mortgage loan options, making homeownership more accessible to all buyers.

Why choose an AmeriSave USDA rural home loan?

For over 20 years, AmeriSave has helped rural home buyers secure affordable financing, even with limited income or no down payment. Our streamlined process, competitive rates, and expert guidance make the dream of rural homeownership possible.

Funding for your dream home

Use your USDA loan to buy, build, rehab, or relocate your rural home.

Backed by the USDA

Enjoy the reliability of a government-backed loan with personalized support from a trusted lender.

Competitive rates for any income

Qualify for a home loan based on income and location to get an interest rate as low as 1%.

Easy online process

AmeriSave’s streamlined, digital borrowing application makes securing your USDA loan simple. Apply today.

Your path to a USDA loan

1 Shop for an eligible home

Look for a single-family home in a USDA-designated rural area. This is a key requirement for loan approval. Not sure where to start? Use the USDA’s eligibility map or talk to an expert.

2 Choose your lender

Not all lenders offer USDA home financing, but AmeriSave does. Our experience with the program and our smooth digital process make it easier than ever to get your loan.

3 Verify that your income meets requirements

USDA loans are designed for buyers with low-to-moderate-income that doesn’t exceed 115 percent of the median income in your area. Your lender will confirm that your household income falls within eligibility limits.

4 Prove you can make payments

Even without a high income, you’ll need to show you can afford your monthly mortgage, taxes, and insurance through a stable job history and low debt-to-income ratio.

5 Prepare and submit your application

Gather your documents, such as proof of income, credit, and home details, and apply online with AmeriSave. Our team makes the paperwork easy and our Loan Experts can answer any questions you may have.

6 Close on your USDA loan

Once approved, you’ll review and sign your final loan documents and officially become a homeowner, often with zero money down and affordable monthly payments.

Veron M. | Lawrenceville, GA

The process has been very quick and easy for a first timer like myself. Being able to provide things on-line via chat & email lets me handle things while taking care of other tasks.

Sprak | Charles Town

I cannot imagine an easier experience with anyone else. Everyone is friendly, helpful and simply caring. Love working with them.

Jason S | Elephant Butte, NM

Fantastic. Great company and staff. Professional and quick. The process from beginning to end was painless and speedy. Would recommend with 10 stars.

Read Our Reviews

Frequently Asked Questions

USDA home financing makes it easier for buyers in certain rural areas to own a home with no down payment, competitive rates, and flexible credit requirements. If you live in an eligible area and meet the income requirements, a USDA loan may offer greater benefits than other loans to buy a home.

If your income, credit, and location meet USDA guidelines, getting approved for a USDA loan is straightforward. AmeriSave walks you through the process and can help you qualify with confidence.

The U.S. Department of Agriculture backs USDA home loans through its Rural Development Guaranteed Housing Loan program.

USDA loans are backed by the government to encourage homeownership in designated rural areas. Because it is a government loan, eligible buyers may qualify for more affordable rates and “zero-down” options. AmeriSave helps you secure a USDA loan by verifying your income and property meet the requirements and provides a streamlined mortgage process.

USDA home financing requires borrowers to have a low-to-moderate income that doesn’t exceed 115 percent of the median income in the area. Homes must be a single-family residence in an eligible rural area defined by the USDA, and it must be your primary residence. Lenders will also need to see proof of income or assets to determine if you can repay the loan.

Ready to find your rural dream home?

Apply for a USDA loan today and start your rural home buying journey with AmeriSave.

Apply Now