USDA rural loan

A government-backed loan for homes in eligible rural and suburban areas, with no down payment required for qualifying borrowers.

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Photo: Adobe Stock (free collection) · Adobe Stock standard license · asset 168323237 · licensed 2026-09-06 under the Chris Does Photos account

Who it's for

Moderate-income buyers purchasing outside larger cities. Much of Montana, southern Colorado, and western North Carolina is eligible.

How it works

USDA guarantees the loan; the property must be in an eligible area and the household must be under the area income limit.
There is a guarantee fee at closing and a small annual fee paid monthly instead of traditional mortgage insurance.

What you'll need

Household income documentation for everyone living in the home
Standard credit and asset documents
A property address so we can check eligibility

Common questions

Is Missoula or Bozeman eligible?

City cores generally are not; many surrounding communities are. Send us the address and we'll check the USDA map.

By design this page shows no rates, APRs, payments, or down-payment percentages. Those figures are only published with the full disclosure block required by Regulation Z.

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