USDA rural home loans · Northern Shenandoah Valley

A no-down-payment option for eligible rural homebuyers.

USDA financing can help qualified buyers purchase an eligible primary residence with no required down payment. Both the household and the property must meet program guidelines.

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How it works

Start with the features that shape the decision.

Property eligibility

The home must be located in an area the USDA currently identifies as eligible.

Household-income limits

Eligibility considers qualifying income as well as applicable household-income rules.

Primary residence

USDA financing is intended for eligible buyers purchasing a home they will occupy.

Plan before you apply

Details to review with Joe.

Verify the property address before relying on USDA financing.
Review household composition and applicable income limits early.
Budget for the program guarantee fees and full monthly payment.
Allow time for program-specific underwriting and closing requirements.

Common questions

A no-down-payment option for eligible rural homebuyers FAQ

Does rural mean farmland?

No. Many eligible areas include small towns and communities outside major urban centers.

Can I use USDA for a second home?

No. USDA purchase financing is intended for an eligible primary residence.

Is there a maximum purchase price?

Affordability is driven by income, debts, rates, taxes, insurance and program qualification rather than one universal purchase-price cap.

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A clear comparison

See how this option fits your goals.

Joe can review your scenario, explain the tradeoffs and compare available alternatives without the jargon.

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Joe Rogers, EVP of Sales – Cornerstone Division and Mortgage Loan Originator, NMLS #188286. For informational purposes only. Loan programs, rates, terms and eligibility are subject to change without notice. All loans are subject to credit approval, property approval and underwriting requirements. Not all applicants will qualify. Equal Housing Opportunity.