Property Eligibility

How to find out if the property you are looking to buy is eligible for a USDA loan?

USDA loans are extremely flexible and offer numerous advantages compared to other sources of residential financing available to new home buyers  A new home can be purchased with no down payment as long as the requirements concerning the income, debt ratios of the borrowers and the property location are met. For a property to be eligible for a USDA mortgage loan, it has to be located in a USDA designated rural area.

To find out for yourself, visit the USDA website. It provides the latest maps that clearly indicate the eligible and ineligible areas. While the website is the most reliable and conveniently accessible source for information concerning USDA property eligibility, it does contain a disclaimer regarding the validity and accuracy of the data shown on their maps. The final determination is made by the local Rural Development office.

Check for Eligibility, Click on the Link»

Steps to determine USDA Property Eligibility:

  1. Visit the USDA’s Rural Development site by clicking here.
  2. On the left hand side, click on the appropriate property type located under the “Property Eligibility” header. Here you will see options for Single Family Housing, Multi Family Housing, Business Programs, Satellite Grant Programs and Water & Environment. If you are a buying a single-family residential home, then click on Single Family Housing.
  3. Upon clicking, you will be presented with a general disclaimer concerning the validity and accuracy of the data available on the site. Just click the Accept button and proceed.
  4. Now you shall be taken to an interactive map of the United States. On the top portion, you will be able to enter the address in the “Find Your Address” search box.
  5. Enter the address of the property you are considering for purchase with a USDA loan and determine its eligibility.

The map will show results clearly indicating the eligible and ineligible areas. If you don’t have a specific address in mind, then just enter the zip code or the city, state in the address search field. This is extremely handy for those interesting in determining the eligible areas prior to initiating your home search.

Click here to Talk to a Lender»

The USDA website also has verbal description of the eligible areas. Only those counties that have a combination of eligible and ineligible areas have a description link. All the properties in non-linked counties in a given state qualify for USDA loans. Click on the relevant state link to access the USDA property eligibility areas.

  1. Alabama
  2. Alaska
  3. Arizona
  4. Arkansas
  5. California
  6. Colorado
  7. Connecticut
  8. Delaware
  9. District of Columbia
  10. Florida
  11. Georgia
  12. Hawaii
  13. Idaho
  14. Illinois
  15. Indiana
  16. Iowa
  17. Kansas
  18. Kentucky
  19. Louisiana
  20. Maine
  21. Maryland
  22. Massachusetts
  23. Michigan
  24. Minnesota
  25. Mississippi
  26. Missouri
  27. Montana
  28. Nebraska
  29. Nevada
  30. New Hampshire
  31. New Jersey
  32. New Mexico
  33. New York
  34. North Carolina
  35. North Dakota
  36. Ohio
  37. Oklahoma
  38. Oregon
  39. Pennsylvania
  40. Rhode Island
  41. South Carolina
  42. South Dakota
  43. Tennessee
  44. Texas
  45. Utah
  46. Vermont
  47. Virginia
  48. Washington
  49. West Virginia
  50. Wisconsin
  51. Wyoming
  52. American Samoa
  53. Federated States of Micronesia
  54. Guam
  55. Marshall Islands
  56. Northern Mariana Islands
  57. Palau
  58. Puerto Rico
  59. U.S. Minor Outlying Islands
  60. Virgin Islands of the U.S.
https://www.profitablecpmrate.com/ab1rr9usc?key=fe1a4a392a42cba8c5711dc03aaeaa21