What is USDA Rural Loans?
USDA loans are mortgage loans guaranteed by the U.S. Department of Agriculture under the Rural Development program. They are designed to help low-to-moderate income households purchase homes in eligible rural and suburban areas with no down payment required.
At Roxford Holdings, our USDA loan program provides 100% financing for eligible borrowers in qualifying areas. Despite the name, many suburban communities near major cities qualify as USDA-eligible areas, making this program accessible to more buyers than most people realize.
USDA loans offer below-market interest rates and lower mortgage insurance costs compared to FHA loans. The annual guarantee fee is significantly less than FHA's mortgage insurance premium, resulting in lower monthly payments. Income limits apply based on the area median income, typically capped at 115% of the median for the county.
How it compares: USDA loans are similar to VA loans in offering zero down payment, but are based on location and income eligibility rather than military service.
Who Qualifies for USDA Rural Loans?
How to Apply for USDA Rural Loans
Check property eligibility on the USDA property eligibility map
Verify your household income meets area limits using the USDA income tool
Get pre-approved with Roxford Holdings for USDA financing
Complete property appraisal including USDA-specific site requirements
Close with zero down payment — typically within 30-45 days
Key Features
Benefits
Requirements
Property in USDA-eligible area
Income limits apply
Primary residence only
U.S. citizenship or legal residency
Adequate credit history
Frequently Asked Questions
USDA loans are available in rural and some suburban areas. You can check eligibility using the USDA property eligibility map on their website.
Yes, household income cannot exceed 115% of the median income for the area. Income limits vary by location and household size.
Yes, many suburban areas near major cities are USDA-eligible. The program covers more areas than most people expect — check the eligibility map for specific addresses.
Ready to Get Started with USDA Rural Loans?
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"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc