Homeownership is a dream that may seem out of reach for those who cannot meet traditional credit requirements or do not have the funds for high down payment requirements. USDA Rural Development provides an avenue for us to fulfill this dream.

• Loans may include funds for closing costs, guarantee fee, legal fees, title services, cost of establishing escrow, and other prepaid items, if the appraised value is higher than the sales price
• Allows for seller concessions to help cover closing costs and pre-paid costs
• Income limits and home location restrictions apply for this program