Rural Housing Loans (USDA)

A USDA, United States Department of Agriculture, loan is a government-backed loan available to rural property owners. USDA loans offer lending up to 100% of the home’s appraised value. Qualifying properties must be located in USDA defined rural areas and communities to be eligible for USDA loan programs.

Your Rural Housing Loans (USDA) Loan

Ideal for:

  • Borrowers wanting to purchase a home in the areas defined by the USDA as rural
  • Borrowers with low-to-moderate incomes
  • First-time homebuyers


  • 100% financing available
  • Competitive interest rates
  • 0% down payment options available
  • For homebuyers in rural & suburban areas
  • Available for Purchase and Refinances*
  • Closing costs can be financed*

USDA Guaranteed Rural Housing loans subject to program stipulations and applicable state income and property limits.*

This is for informational purposes only and not an offer to lend or extend credit. Subject to credit and income approval. Terms and conditions are subject to change without notice.*

per year
per year

Your total monthly payment

Principal & Interest
Home insurance
Property taxes
The results displayed above are only estimates and cannot be used to determine actual loan cost or be used as a guarantee. Please consult your loan consultant for an official estimate.


Conventional Loans

+One of the most common loan programs that offers competitive interest rates and requires...

Learn More     Apply Now

VA Loans

+Offering Veterans, US Military service members and eligible surviving spouses benefits t...

Learn More     Apply Now

FHA Loans

+Insured by the Federal Housing Administration. Offers down payment as low as 3.5% in add...

Learn More     Apply Now

Rural Housing Loans (USDA)

+Government backed loans, lending up to 100% of the home’s appraised value. Qualifying ...

Learn More     Apply Now

Jumbo Loans

+Gershman Mortgage offers loan programs for loan amounts greater than the high balance lo...

Learn More     Apply Now

First Time Home Buyer

+As part of our commitment to provide the best residential home loans for our customers, ...

Learn More     Apply Now

How Can We Help You?

Purchase a Home

Refinance a Home

In Business for 65+ Years

Licensed in 17 States

300+ Employees Strong

Question about Gershman Mortgage? Shoot us an email.