USDA Loan Eligibility


The USDA loan is part of a federal program that supports rural development. If you’re buying a home in a rural area, make sure to check with me to determine if you’re eligible for a USDA loan. The USDA loan requires ZERO down payments – which is almost unheard of these days.

Other benefits to the USDA loan includes a 30-year fixed interest rate – meaning the rate will not adjust over its lifespan.

If you’re eligible for a USDA loan, this is a great route to financing. Below are some eligibility requirements:

  • Rural area
    You must purchase property within an eligible area. To determine if you’re eligible, check out the interactive map on the
    USDA’s website or call my office at (410) 683-1500.
  • Income requirements
    There is an income limit that is set for your county – you must not exceed that in order to be eligible. Some of the factors that go into determining include:
    • Your county
    • The total number of people in the household
    • The number of residents under age 18 (or disabled or full time students)
    • Your age
    • The number of disabled persons in the home
    • Your monthly expenses versus your income
  • Credit history
    This works differently than a credit score – your credit history will be reviewed to determine if you appear to be someone able to repay the debt and not default on the loan.

We can help

Contact Alliance Mortgage Funding online, or call us at (410) 683-1500.








"Since 1993, we've helped all of our clients make all of the 
right mortgage financing decisions, for all of the right reasons." 


Michael Mandis

Certified Mortgage Planner®
 Certified Residential Mortgage Specialist®
Certified Militay Housing Specialist® 

Mike@TheMandisTeam.com
(410) 683-1500  ♦  Toll Free: (888) 786-1005
FAX: (410) 683-2250
 An Equal Housing Opportunity Lender

Alliance Mortgage Funding, Inc. | NMLS #130762
State License: MARYLAND #3166  & PENNSYLVANIA #25061
Michael Mandis NMLS #132976 | Craig Brindley
NMLS #145398


Alliance Mortgage Funding, Inc.
111 Warren Rd. #10A
Cockeysville, MD 21030
(410) 683-1500

Call us, email us, or get pre-approved online.