A USDA home loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program is available to eligible primary homebuyers with low to moderate incomes for homes located in approved rural areas as defined by the USDA.
Applicants for USDA home loans may have an income of up to 115% of the median income for the area. Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance. In addition, applicants must have reasonable credit histories. Also, the property must be located within the USDA RD Home Loan "footprint." USDA Loans offer 100% financing to qualified buyers and allow for all closing costs to be either paid for by the seller or financed into the loan.
USDA loan guidelines are currently as follows:
Other important information:
To determine if a property is located in an eligible rural area, visit: http://eligibility.sc.egov.usda.gov
For income limits by state, visit: https://www.usdaloanagency.com/am-i-eligible/
*Income limits vary by both state and county
* InterLinc Mortgage Services, LLC. NMLS ID: 205696. InterLinc is an Equal Housing Lender. DISCLAIMER: This is not a commitment to lend. Credit and collateral are subject to approval. Other restrictions may apply. Programs, rates, terms and conditions are subject to change without notice. www.nmlsconsumeraccess.org.
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They were great to work with. They made everything run smooth and they were always there to answer questions anytime of the day.
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Victor W.
Paul was awesome to work with! He kept all of us involved in the transaction up to date at all times. The transaction could not have went any smoother! And we closed right on time.
Jessica S.
I can’t say enough great things about my experience with InterLinc Mortgage! From start to finish, the process was seamless, professional, and personalized. The entire process was handled with care and attention to detail, making what could have been a stressful experience incredibly smooth. InterLinc Mortgage is highly knowledgeable, responsive, and genuinely focused on their clients. They were always available to answer my questions, provide updates, and guide me through all the options available. Their dedication to customer service is unmatched, and their expertise ensured I got the best possible mortgage terms. If you’re looking for a company that combines professionalism, transparency, and exceptional customer service, I highly recommend InterLinc Mortgage. Thank you for helping me achieve my homeownership dreams!
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