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Like FHA and \nVA loans\n, USDA loans are backed by the government: specifically, the U.S. Department of Agriculture. Originally designed to help provide a mortgage alternative to rural property buyers with limited financing options, USDA loans are used today as a viable mortgage option for people who want to live away from urban areas.\nA USDA home loan is a government-backed mortgage designed for low- to-moderate-income borrowers in rural and suburban areas. It offers benefits like no down payment, competitive interest rates, and lower mortgage insurance costs, making homeownership more accessible for eligible applicants.\nThe USDA loan comes with 100% financing. You don’t need to make a down payment, which can often be a big obstacle for first-time homebuyers.\nBecause the loan is guaranteed, Midwest BankCentre offers a lower standard interest rate.\nAs of October 1, 2016, the upfront mortgage insurance rate on a USDA loan is just 1%, with an annual fee of only 0.35%, the lowest number of virtually any mortgage financing program. The upfront fee can also be rolled into the loan, eliminating an out-of-pocket expense at closing.\nBorrowers with lower credit scores or less than perfect credit history can often meet the program’s qualifying guidelines.\nTo obtain a USDA loan, the property you buy must be in a USDA-designated rural area. Almost 97% of the U.S. is eligible, which includes small towns and suburbs. The USDA mortgage-eligible \narea requirement map\n will show you where you can use this loan.\nThe USDA loan was originally designed for low- to-moderate-income borrowers. The program’s guidelines define income level as being up to 115% of the area’s median income. For lower-income buyers, all of a household’s income is considered during the application process, which helps increase eligibility.\nThe Midwest BankCentre USDA loan is a 30-year fixed rate loan, with low and affordable monthly payments.\nTo qualify for a USDA-guaranteed loan, borrowers must have a household income of 115% or less of the area median income and show the ability to repay the loan, with alternative credit history proof acceptable. Applicants must use the property as their primary residence.\nThey need to work with an accredited lender who will determine eligibility and guide them through the application process. A good credit history, steady employment, and no recent history of bankruptcy or repossession are required. 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This score helps streamline the approval process, though individual lender requirements and additional factors also play a role in eligibility.\nUSDA loans do not have strict loan limits like some other government-backed loans, but they do have guidelines based on income and the property’s appraised value. The loan amount must be within what the borrower can afford, considering their income and debt-to-income ratio.\nReady to buy your dream property in the country? Apply for a USDA home loan online, or call one of our mortgage specialists for assistance. We’re can help you decide if a USDA loan is right for you and guide you through the entire process.","sources":[{"snapshotId":"37814","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:38:52.078Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/usda-home-loans/","passageId":"bedacd6a6e9ba96caab968348f275b6e","pageNumber":null,"quote":"The USDA loan is also known as the USDA Rural Development Guaranteed Housing Loan Program. 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Almost 97% of the U.S. is eligible, which includes small towns and suburbs. The USDA mortgage-eligible","recordId":"official-issuer:page:url:d06fccce9fbdb868dd9f94a212c74f054518ac4bd2252efb68b4526fe48c2d89","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37814","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:38:52.078Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/usda-home-loans/","passageId":"3222854b530e59a1c1384d1398d8f67c","pageNumber":null,"quote":"area requirement map","recordId":"official-issuer:page:url:d06fccce9fbdb868dd9f94a212c74f054518ac4bd2252efb68b4526fe48c2d89","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37814","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:38:52.078Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/usda-home-loans/","passageId":"97959b424339478bfbf9bf6d45fa6514","pageNumber":null,"quote":"will show you where you can use this loan.","recordId":"official-issuer:page:url:d06fccce9fbdb868dd9f94a212c74f054518ac4bd2252efb68b4526fe48c2d89","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37814","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:38:52.078Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/usda-home-loans/","passageId":"4712913040969297c23024bd0af66bf7","pageNumber":null,"quote":"The USDA loan was originally designed for low- to-moderate-income borrowers. The program’s guidelines define income level as being up to 115% of the area’s median income. 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Applicants must use the property as their primary residence.","recordId":"official-issuer:page:url:d06fccce9fbdb868dd9f94a212c74f054518ac4bd2252efb68b4526fe48c2d89","recordFields":[],"fieldKey":"loan_access"},{"snapshotId":"37814","sourceKind":"official_issuer","publisherName":"Midwest BankCentre","capturedAt":"2026-10-04T08:38:52.078Z","effectiveOn":"2026-10-04","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.midwestbankcentre.com/mortgage/loan-offerings/usda-home-loans/","passageId":"5a1cb8ba57a4f0d6ae5cb67decc89ff8","pageNumber":null,"quote":"They need to work with an accredited lender who will determine eligibility and guide them through the application process. A good credit history, steady employment, and no recent history of bankruptcy or repossession are required. 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