USDA home loan eligibility for rural and small-town buyers
USDA and new construction
Plain answer
USDA guaranteed loans can finance newly built homes that meet program standards in eligible areas. Some lenders offer construction-to-permanent options. The home still needs to meet property and location rules.
Last reviewed against the primary sources listed below.
Ask
- Do you offer construction-to-permanent?
- What standards apply?
Neighbors also ask
Can I build a house with a USDA loan?
Some lenders offer construction options.
Do new homes need to be in eligible areas?
Yes.