01
Check the property area
Eligibility depends on the exact address and USDA's current map—not a general assumption about the city or county.
Understand property eligibility →The USDA loan authority
Grow into homeownership.
Agrow Capital makes USDA home loans understandable—from eligible areas and household income limits to zero-down purchase financing through approved lenders.
No obligation. Not a commitment to lend. Eligibility and approval depend on USDA and lender requirements.
Clarity before application
A national USDA resource built around the questions that decide eligibility.
USDA financing is not limited to farms, and “rural” includes many eligible communities near metropolitan areas. The program uses both property-location and household-income tests.
02
Review household income
The Guaranteed program generally evaluates income for the household, not only the borrowers named on the loan.
Understand income rules →03
Prepare for underwriting
A participating lender reviews credit, debts, stable income, occupancy, property condition and repayment ability.
Request a preliminary review →Why USDA
Designed to expand access to homeownership in eligible communities.
0% downUp to 100% financing may be available to qualified Guaranteed loan borrowers.
Primary homeThe property must generally be occupied as the borrower's principal residence.
Area basedEligibility is determined using the exact property location.
Income limitedLocal household-size limits apply and change over time.
These are program features, not an approval or offer. Closing costs, the USDA guarantee fee, lender requirements and other expenses may apply.
Two programs, different paths
Guaranteed is not the same as Direct.
The USDA Single Family Housing Guaranteed Loan Program is delivered through approved private lenders. The Section 502 Direct Loan Program is administered directly by USDA Rural Development for eligible low- and very-low-income applicants.
Compare Guaranteed vs. DirectAgrow Capital does not replace official USDA determinations.
Use Agrow Capital to understand the process and prepare questions. Final area eligibility, income eligibility and loan approval come from USDA and/or the participating lender, depending on the program.
Could a USDA loan fit your homebuying plan?
Tell us where you hope to buy and a few basics. We’ll help you identify the next questions to ask.