Loan programs
USDA home loans in Washington
The USDA Rural Development Guaranteed Loan Program helps low- and moderate-income households buy homes in eligible rural and suburban areas. “Rural” is broader than most people expect — many towns within commuting distance of Washington's cities qualify.
Reviewed by Clint Aguon, CEO & Loan Officer · NMLS #1893008 · Updated September 2026
How a USDA loan helps
- Financing designed for buyers with limited savings
- Competitive rates backed by a USDA guarantee
- A guarantee fee that is typically lower than FHA mortgage insurance
- Purchase loans for a primary residence; refinancing for existing USDA borrowers
Who qualifies
- Location: the home must be in a USDA-eligible area. You can check any address on the USDA eligibility map, or ask us.
- Income: total household income must fall under the limit for your county and household size.
- Occupancy: the home must be your primary residence.
- Credit and repayment: you'll need to show you can reliably repay the loan.
Is USDA right for you?
If you're buying outside Washington's biggest metro areas and your income fits the limits, USDA is worth comparing with FHA and conventional loans. We'll check the property and your income, then price all three side by side.