USDA Home Loans

  • USDA Loans

    USDA Loans

For those who love the countryside

USDA loans are specifically for homes bought in designated rural areas. With low down-payment options, low credit-requirements, and low interest-rates, USDA loans are great for the first-time or experienced buyer.

If you agree with ANY any of the below, a FHA loan may be best for you!



You are buying in a rural area.



You're a first-time homeowner.


Down Payment

You're looking for 100% financing.


Good Credit

You have okay credit that's least 620.



This will be your primary home.

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    "I'm so glad we used Network Funding to buy our first home. They made it really easy for us."

    Ana & Nathaneal, Texas
  • "I got a great rate, but the customer service was just as, if not more, important than the rate."

    Matt, Texas
  • “The Loan Process was so easy. It was the best we have ever been through, by far!”

    Nicole & Upton Florida
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Know your home budget.

Download our free app, and know exactly how much a home could cost.

Are you ready to buy a home?

These 5 questions will tell you.

app in hand

*Disclaimer, Assumptions, & FAQs


The information on this page is not meant to be a quote. So if you want an ACTUAL interest rate quote or if you're just curious what you may be eligible for, just ask us!

Annual Percentage Rate (APR) effective 9/15/17. Rates based on NFLP’s average customer FICOs for 2017. Rates may change or not be available at the time of lock. Not an offer to enter into an interest rate or discount point agreement. Any such agreement may only be made in writing by both the borrower and the lender. Network Funding, LP reserves the right to change or cancel this offer without notice. Subject to applicable laws and regulations. Monthly payment excludes mortgage insurance, homeowners insurance, property taxes and HOA.


For the information discussed on this page, we're assuming the following: $300,000 purchase. $300,000 loan amount. $1512 P&I. 4.375%(4.883% APR). 707 FICO.

How do I know if I'm eligible for a USDA loan?

Eligibility for an USDA mortgage varies. Applicants must:

      • Income - meet income-eligibility (check here)

      • Property - purchase a property that meets all program criteria (check here)

      • Occupy - agree to personally occupy the dwelling as their primary residence

      • Citizen - be a US Citizen, U.S. non-citizen national or qualified alien

      • Legal - have the legal capacity to incur the loan obligation

      • Standing - be in good standing, having not been suspended or debarred from participation in federal programs

      • Credit - demonstrate the willingness to meet credit obligations in a timely manner

      • Qualify - qualify for the terms of the financing

Why are USDA loans great for first-time homebuyers?

USDA loans are great for first-time homebuyers because they allow for up to 100% financing and competitive interest rates. Making it as easy as possible for people to own a home.

Are all USDA loans eligible for 0% down?

Eligibility for 100% financing (0% down) varies based on the borrower’s and property’s eligibility. See “How Do I Know If I’m Eligible For A USDA Loan” for more.

Can I buy a vacation or investment home with a USDA loan?

Unfortunately, no. USDA loans are for primary residences only.

Want to talk with someone?

Just fill in the form below, and we'll contact you!

Want to talk with someone?

Just fill in the form below, and we'll get in contact with you.