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USDA Loans in Springfield, MO

and Rural Communities Across Southwest Missouri

USDA Home Loans

The U.S. Department of Agriculture’s loan program helps make homeownership possible in eligible rural and suburban areas, often with no down payment required.

Designed for low-to-moderate-income buyers, USDA loans offer affordable interest rates and low mortgage insurance costs, helping more families achieve the dream of owning a home outside major city limits.

If you’re looking for a peaceful community and a smart path to homeownership, a USDA loan could be the perfect fit.

USDA Loan Requirements

(Based on location and income guidelines)

Location: Property must be in an eligible rural or suburban area
Income limits: Household income must fall within USDA guidelines (varies by county and family size)
Credit score: Typically 580 or higher (may vary by lender)
Down payment: None required for most borrowers
Debt-to-income ratio: Generally 41% or lower
Primary residence: Must be used as your primary home