USDA home loan eligibility for rural and small-town buyers
Eligible home types
Plain answer
USDA loans are for a primary residence in an eligible area. Single-family homes are the core, and some condos and manufactured homes can qualify if they meet program rules. Income-producing farms and investment properties do not qualify.
Last reviewed against the primary sources listed below.
Not eligible
- Investment or rental properties.
- Income-producing farms.
Neighbors also ask
Can I use a USDA loan for a manufactured home?
Some manufactured homes qualify if they meet program rules.
Can I buy a farm with a USDA home loan?
Not an income-producing farm.