What qualifies for a USDA loan?

Minimum Qualifications for USDA Loans

Ability to prove creditworthiness, typically with a credit score of at least 640. Stable and dependable income. … Adjusted household income is equal to or less than 115% of the area median income. The property serves as the primary residence and is located in a qualified rural area.

What does the USDA do?

We provide leadership on food, agriculture, natural resources, rural development, nutrition, and related issues based on public policy, the best available science, and effective management.