Complete USDA Home Loan Guide | Kyle Byrne REALTOR®

Educational guide only. Loan approval depends on lender underwriting and current program rules.

What Is a USDA Loan?

USDA Guaranteed loans are intended to help eligible borrowers purchase homes in qualifying rural areas through approved lenders.

Qualified borrowers may finance 100% of the purchase price, subject to lender approval.

USDA programs include household income limits that vary by location and household size.

The property must be located in an area eligible under current USDA mapping.

Guarantee fee: USDA loans generally include an upfront guarantee fee and an annual fee. Current percentages are set by USDA and may change.

Can I use a USDA loan in Southern Indiana?

Many areas qualify, but eligibility depends on the property's address and current USDA eligibility maps.

Can I own another home?

Eligibility depends on current USDA occupancy and program rules. Discuss your situation with a USDA-approved lender.