USDA Loan: a Complete Guide to 0% Down Payment Mortgages [2024]

<!DOCTYPE html> <html lang="en-US"> <head> <title>USDA Loan: a Complete Guide to 0% Down Payment Mortgages [2024]</title> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1" > <meta name="title" content="USDA Loan: Your Path to Homeownership with No Down Payment" > <meta name="datePublished" content="2024-09-09T16:29:03Z" > <meta name="dateModified" content="2024-09-09T16:29:03Z" > <meta name="news_keywords" content="Personal Finance, Loans, Mortgages" > <meta name="description" content="Learn about USDA loans, their eligibility requirements, benefits, and how to apply. Discover if this zero-down-payment mortgage option is right for you in 2024." > <meta property="author" content="Laura Grace Tarpley, CEPF, Aly J. 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Yale","sameAs":"https://www.businessinsider.com/author/aly-yale"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"USDA Loan: A Complete Guide to 0% Down Payment Mortgages [2024]","alternativeHeadline":"USDA Loan: Your Path to Homeownership with No Down Payment","image":{"@type":"ImageObject","url":"https://i.insider.com/5f89fb7a9e9fe40019009e1e?width=1200&format=jpeg","width":1200,"height":900,"caption":"A USDA loan usually doesn't require a down payment."},"name":"USDA Loan: Your Path to Homeownership with No Down Payment","datePublished":"2024-09-09T16:29:03Z","dateModified":"2024-09-09T16:29:03Z","description":"Learn about USDA loans, their eligibility requirements, benefits, and how to apply. Discover if this zero-down-payment mortgage option is right for you in 2024.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.It can be difficult for many people to afford a home, especially if you have a low-to-moderate income. Things like down payments, interest, and closing costs are expensive.But if you earn a relatively low income, you may qualify for a USDA loan — sometimes called a rural housing loan. This is a type of government-backed mortgage loan available for people who earn under a certain amount of money and live in rural or suburban parts of the U.S. It requires no down payment and can often help lower-income borrowers more easily afford a home.There are lots of advantages to using a USDA mortgage loan if you can qualify for one. These include:USDA loans are a type of zero-down-payment mortgage. Other than a VA loan (which is only for borrowers associated with the military), USDA loans are the only type of mortgage that doesn't require any down payment, making it easier to buy a home if you don't have a lot of money saved.Because it's a government-backed loan, you'll likely pay a lower interest rate on a USDA loan than you would on a conventional mortgage. Keep in mind that you'll get an even better rate with an excellent credit score, low debt-to-income ratio, or money toward a down payment.The USDA doesn't have any hard-and-fast credit score requirements for these mortgages. Most lenders allow you to qualify with scores as low as 640. Some loans come with fees — called prepayment penalties — if you pay off the balance too early. USDA loans don't have these.If you're receiving gift funds for help with your home purchase, the USDA allows you to use them toward things like closing costs and even the appraisal (since there's no down payment to worry about). To get a USDA loan, both you and the property you're buying will need to meet certain requirements.USDA loans are only for low to moderate income earners. To qualify, you'll need to fall under the maximum income requirement for where you live. You can see your county's income limit here.You'll also need to provide proof of stable income for at least the last two years, and your expected monthly mortgage payments should not exceed 29% of your monthly income. This number includes your loan principal, interest, insurance, taxes, and homeowner's association dues. Other debt payments should come to 41% or less of your monthly income. However, you could qualify with a higher debt-to-income ratio if your credit score is very good or excellent.Only homes located in specific, USDA-approved suburban and rural areas are eligible for USDA funding. If you already know the address of the home you want to buy, enter the information into the USDA Property Eligibility Site to see if it's eligible. You can't use a USDA loan to buy an investment property or vacation home. These loans are intended for primary residences only. You'll need to move into the home within 60 days of closing. Finally, because USDA loans are guaranteed by the federal government, you must be a U.S. citizen or a permanent resident of the U.S. to qualify. There are two main types of USDA home loans. These are both backed by the U.S. Department of Agriculture.Guaranteed USDA loans are backed by the USDA — meaning the USDA assumes some of the risk on them, but you apply for your loan through a participating lender. The USDA doesn't issue your loan directly.When people refer to a USDA loan, most are referring to a guaranteed loan, aka the USDA Rural Development Guaranteed Housing Loan Program. This is the most commonly used type of USDA mortgage.These are loans that the USDA actually issues, so you'll apply directly with the USDA.USDA Direct loans are for the lowest income borrowers, and you must meet stricter criteria. USDA mortgages come with three primary costs (remember, a down payment is not one of them).If you get a USDA loan, you'll owe:Some closing costs may be negotiable or, in some cases, you may be able to shop around for third-party service providers. Talk to your loan officer about these options.If you're interested in getting a USDA loan, you'll need to follow this process:Review the USDA's income limits for your area, and make sure you fall under the appropriate threshold. You should also use the eligibility map to ensure the home you intend to purchase is located in a USDA-eligible area.Shop around for a lender. Not all mortgage lenders are authorized to offer USDA loans, so you may need to do your research. Check with local credit unions and banks to start.Getting preapproved for your mortgage can help you gauge potential costs and give you a leg up when you start submitting offers. It shows sellers that you're serious about the purchase and are qualified for financing.Once you choose a lender, fill out the application, provide your financial documentation, and await your home appraisal and closing date. Your loan officer will let you know if they need any additional information or documentation along the way.No, you can't use a USDA loan to buy any home in a rural area. The property must meet certain USDA standards. It also must be located in an eligible part of the country. Use the department's map to find eligible properties in your area.There is no official limit on USDA loans. Your lender will determine how much you can borrow based on your income, debts, and credit history.USDA loans take around the same time as other types of mortgages. You can expect about 30 to 45 days to pass between application and closing.","articleSection":"Personal Finance, Loans, Mortgages","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Can I use a USDA loan to buy any home in a rural area?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">No, you can't use a USDA loan to buy any home in a rural area. The property must meet certain USDA standards. It also must be located in an eligible part of the country. 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You can expect about 30 to 45 days to pass between application and closing. </p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.businessinsider.com/personal-finance","name":"Personal Finance"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.businessinsider.com/personal-finance/mortgages","name":"Mortgages"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.businessinsider.com/personal-finance/mortgages/usda-loan","name":"USDA Loan: Your Path to Homeownership with No Down Payment"}}]} </script> <script>window.allScripts = window.allScripts || []; window.allScripts.push({ type: "load", script: 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srcset="https://i.insider.com/658c6039ec62ab5daf7ef460?width=400&format=jpeg&auto=webp 400w, https://i.insider.com/658c6039ec62ab5daf7ef460?width=500&format=jpeg&auto=webp 500w, https://i.insider.com/658c6039ec62ab5daf7ef460?width=700&format=jpeg&auto=webp 700w, https://i.insider.com/658c6039ec62ab5daf7ef460?width=1000&format=jpeg&auto=webp 1000w, https://i.insider.com/658c6039ec62ab5daf7ef460?width=1300&format=jpeg&auto=webp 1300w, https://i.insider.com/658c6039ec62ab5daf7ef460?width=2000&format=jpeg&auto=webp 2000w" sizes="(min-width: 1280px) 900px" alt="Two women hold hands sitting in chairs in front of their home, purchased with a USDA loan." decoding="async" /> </div> <span class="image-source-caption with-caption-drawer"> <input class="caption-drawer-input" type="checkbox" id="caption-drawer-checkbox"> <label class="caption-drawer-label" for="caption-drawer-btn"> <svg class="svg-icon arrow-up-icon caption-drawer-icon" xmlns="http://www.w3.org/2000/svg" width="12" height="8" 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class="image-caption-text">USDA loans usually don't require down payments.</span> <span class="image-source-text"> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText" > FluxFactory/Getty Images </span> </span> </figcaption> </span> </figure> <div class="typography sticky-toc-post-wrapper"> <nav class="sticky-toc js-sticky-toc-dropdown hide-menu headline-semibold helpfulness-mobile-toc" data-component-type="sticky-toc" > <div class="sticky-toc-title-wrapper helpfulness-mobile-toc" > <div class="helpfulness-mobile-toc-title"> <span class="helpfulness-mobile-toc-jump-to">JUMP TO</span> <span class="headline-regular helpfulness-mobile-toc-section">Section</span> </div> <div class="sticky-toc-dropdown-button js-sticky-toc-dropdown-button"> <span class="sticky-toc-arrow"><svg class="svg-icon chevron-icon " data-chevron-icon role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon" > <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"/> </svg></span> </div> <menu class="sticky-toc-dropdown helpfulness-mobile-toc"> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#benefits" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#eligibility-requirements" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Eligibility requirements </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#loan-types" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Loan types </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#costs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Costs </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#how-to-get-a-usda-loan" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to get a USDA loan </a> </li> <li> <a class="sticky-toc-link helpfulness-mobile-toc" href="#faqs" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </div> </nav> <div class="sticky-toc-aside-wrapper"> <ul class="sticky-toc-aside js-sticky-toc-aside" data-component-type="sticky-toc"> <li> <a href="#benefits" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Benefits </a> </li> <li> <a href="#eligibility-requirements" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Eligibility requirements </a> </li> <li> <a href="#loan-types" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Loan types </a> </li> <li> <a href="#costs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Costs </a> </li> <li> <a href="#how-to-get-a-usda-loan" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to get a USDA loan </a> </li> <li> <a href="#faqs" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/mortgages/how-we-evaluate-mortgage-lenders" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate mortgages</a> to write unbiased product reviews.</p><p></p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><ul class="summary-list"> <li>A USDA loan is for low- to moderate-income borrowers who buy a home in rural or suburban United States.</li> <li>USDA loans don't require any down payment, but you'll probably need at least a 640 credit score.</li> <li>Your eligibility depends on your property's location and your financial profile.</li> </ul><p>It can be difficult for many people to afford a home, especially if you have a low-to-moderate income. Things like <a href="https://www.businessinsider.com/personal-finance/mortgages/how-much-down-payment-for-a-house" data-analytics-product-module="body_link" rel="">down payments</a>, interest, and closing costs are expensive.</p><p>But if you earn a relatively low income, you may qualify for a USDA loan — sometimes called a rural housing loan. This is a <a href="https://www.businessinsider.com/personal-finance/mortgages/types-of-mortgage-loans" data-analytics-product-module="body_link" rel="">type of government-backed mortgage loan</a> available for people who earn under a certain amount of money and live in rural or suburban parts of the U.S. It requires no down payment and can often help lower-income borrowers more easily afford a home.</p><h2 data-toc-label="Benefits" id="benefits" class="toc-anchor">Benefits of USDA loans</h2><p>There are lots of advantages to using a USDA mortgage loan if you can qualify for one. These include:</p><h3>Zero down payment</h3><p>USDA loans are a type of zero-down-payment mortgage. Other than a <a href="https://www.businessinsider.com/personal-finance/mortgages/va-loans" data-analytics-product-module="body_link" rel="">VA loan</a> (which is only for borrowers associated with the military), USDA loans are the only type of mortgage that doesn't require any down payment, making it easier to buy a home if you don't have a lot of money saved.</p><h3>Low interest rates</h3><p>Because it's a government-backed loan, you'll likely pay a lower interest rate on a USDA loan than you would on a conventional mortgage. Keep in mind that you'll get an even better rate with an <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-an-excellent-credit-score" data-analytics-product-module="body_link" rel="">excellent credit score</a>, low <a href="https://www.businessinsider.com/personal-finance/credit-score/what-is-debt-to-income-ratio" data-analytics-product-module="body_link" rel="">debt-to-income ratio</a>, or money toward a down payment.</p><h3>Flexible credit requirements</h3><p>The USDA doesn't have any hard-and-fast credit score requirements for these mortgages. Most lenders allow you to qualify with scores as low as 640. </p><h3>No prepayment penalty</h3><p>Some loans come with fees — called prepayment penalties — if you pay off the balance too early. USDA loans don't have these.</p><h3>Lenient gift fund guidelines</h3><p>If you're receiving gift funds for help with your home purchase, the USDA allows you to use them toward things like closing costs and even the appraisal (since there's no down payment to worry about). </p><h2 data-toc-label="Eligibility requirements" id="eligibility-requirements" class="toc-anchor">USDA loan eligibility requirements</h2><p>To get a USDA loan, both you and the property you're buying will need to meet certain requirements.</p><h3>Income limits </h3><p>USDA loans are only for low to moderate income earners. To qualify, you'll need to fall under the maximum income requirement for where you live. <a href="https://www.rd.usda.gov/files/RD-GRHLimitMap.pdf" target="_blank" rel="noopener" data-analytics-product-module="body_link">You can see your county's income limit here</a>.</p><p>You'll also need to provide proof of stable income for at least the last two years, and your expected monthly mortgage payments should not exceed 29% of your monthly income. This number includes your loan principal, interest, insurance, taxes, and homeowner's association dues. Other debt payments should come to 41% or less of your monthly income. However, you could qualify with a higher debt-to-income ratio if your credit score is very good or excellent.</p><h3>Property location</h3><p>Only homes located in specific, USDA-approved suburban and rural areas are eligible for USDA funding.  If you already know the address of the home you want to buy, enter the information into the <a href="https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do" target="_blank" rel="noopener" data-analytics-product-module="body_link">USDA Property Eligibility Site</a> to see if it's eligible. </p><h3>Primary residents</h3><p>You can't use a USDA loan to buy an investment property or vacation home. These loans are intended for primary residences only. You'll need to move into the home within 60 days of closing. </p><h3>U.S. citizenship or qualified alien status</h3><p>Finally, because USDA loans are guaranteed by the federal government, you must be a U.S. citizen or a permanent resident of the U.S. to qualify. </p><h2 data-toc-label="Loan types" id="loan-types" class="toc-anchor">USDA loan types</h2><p>There are two main types of USDA home loans. These are both backed by the U.S. Department of Agriculture.</p><h3>Guaranteed loans</h3><p>Guaranteed USDA loans are backed by the USDA — meaning the USDA assumes some of the risk on them, but you apply for your loan through a participating lender. The USDA doesn't issue your loan directly.</p><p>When people refer to a USDA loan, most are referring to a guaranteed loan, aka the USDA Rural Development Guaranteed Housing Loan Program. This is the most commonly used type of USDA mortgage.</p><h3>Direct loans</h3><p>These are loans that the USDA actually issues, so you'll apply directly with the USDA.</p><p>USDA Direct loans are for the lowest income borrowers, and you must meet stricter criteria. </p><h2 data-toc-label="Costs" id="costs" class="toc-anchor">USDA loan costs</h2><p>USDA mortgages come with three primary costs (remember, a down payment is not one of them).</p><p>If you get a USDA loan, you'll owe:</p><ul><li aria-level="1"><strong>Closing costs:</strong> These come with every mortgage loan and typically run between 2% and 6% of the loan amount.</li><li aria-level="1"><strong>Guarantee fee:</strong> This is a fee unique to USDA loans. It currently costs 1% of the loan amount, which you'll pay upfront at closing.</li><li aria-level="1"><strong>Annual fee:</strong> There is also an annual fee for using the USDA loan program. This currently sits at 0.35% of the loan amount.</li></ul><p>Some closing costs may be negotiable or, in some cases, you may be able to shop around for third-party service providers. Talk to your loan officer about these options.</p><h2 data-toc-label="How to get a USDA loan" id="how-to-get-a-usda-loan" class="toc-anchor">How to get a USDA loan</h2><p>If you're interested in getting a USDA loan, you'll need to follow this process:</p><h3>Check eligibility</h3><p>Review the USDA's income limits for your area, and make sure you fall under the appropriate threshold. You should also use the eligibility map to ensure the home you intend to purchase is located in a USDA-eligible area.</p><h3>Find a USDA-approved lender</h3><p>Shop around for a lender. Not all mortgage lenders are authorized to offer USDA loans, so you may need to do your research. Check with local <a href="https://www.businessinsider.com/personal-finance/banking/best-credit-unions" data-analytics-product-module="body_link" rel="">credit unions</a> and <a href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-analytics-product-module="body_link" rel="">banks</a> to start.</p><h3>Get preapproved</h3><p>Getting preapproved for your mortgage can help you gauge potential costs and give you a leg up when you start submitting offers. It shows sellers that you're serious about the purchase and are qualified for financing.</p><h3>Complete the application</h3><p>Once you choose a lender, fill out the application, provide your financial documentation, and await your home appraisal and closing date. Your loan officer will let you know if they need any additional information or documentation along the way.</p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">USDA loan FAQs</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I use a USDA loan to buy any home in a rural area?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">No, you can't use a USDA loan to buy any home in a rural area. The property must meet certain USDA standards. It also must be located in an eligible part of the country. Use the department's map to find eligible properties in your area.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the maximum loan amount for a USDA loan?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">There is no official limit on USDA loans. Your lender will determine how much you can borrow based on your income, debts, and credit history.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How long does it take to get a USDA loan?  </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">USDA loans take around the same time as other types of mortgages. You can expect about 30 to 45 days to pass between application and closing. </p> </div> </div> </div><div class="ca-widget" data-token="x13d55880b64" data-s1="AMCID"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://secure.money.com/embeds/embedder.js?v=1" data-async="true" data-defer="true"></div> <section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/laura-grace-tarpley" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="laura-grace-tarpley"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5d8a33692e22af05d12fa207?crop=1:1&width=256&format=jpeg&auto=webp" alt="Laura Grace Tarpley_headshot"> <noscript> <img src="https://i.insider.com/5d8a33692e22af05d12fa207?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/laura-grace-tarpley" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Laura Grace Tarpley, CEPF</div> </a> <div class="post-author_title headline-regular">Personal Finance Reviews Editor</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Laura Grace Tarpley (she/her) is an expert in mortgage rates, refinance rates, lenders, bank accounts, and borrowing and savings tips for Personal Finance Insider. She worked on  Business Insider's "The Road to Home" series, which won a Silver award from the National Associate of Real Estate Editors.</span><span>She has written about personal finance for over seven years. Before joining the Business Insider team, she was a freelance finance writer for companies like SoFi and The Penny Hoarder, as well as an editor at FluentU.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/aly-yale" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="aly-yale"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/61096c6d372268001a596aec?crop=1:1&width=256&format=jpeg&auto=webp" alt="A headshot of writer Aly J Yale."> <noscript> <img src="https://i.insider.com/61096c6d372268001a596aec?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/aly-yale" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Aly J. Yale</div> </a> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Aly J. Yale is a writer and editor with more than 10 years of experience covering personal finance topics including mortgages and real estate. She contributes to Personal Finance Insider’s mortgages and loans coverage.</span><span><span class="headline-semibold">Experience</span></span><span>Aly began her journalism career as reporter, and later an editor, for several neighborhood sections of the Dallas Morning News.</span><span>Her work has been published in several national publications, including Bankrate, CBS, Forbes, Fortune, Money, Newsweek, US News and World Report,  the Wall Street Journal, and Yahoo Finance. She’s also contributed to a variety of mortgage and real-estate publications, such as The Balance, Builder Magazine, Housingwire, MReport, and The Mortgage Reports. </span><span>Her favorite personal finance tip is to schedule regular check-ins to make sure your credit cards, savings accounts, and other financial vehicles still align with your budget and financial goals. She is a member of the National Association of Real Estate Editors (NAREE).</span><span><span class="headline-semibold">Expertise</span></span><span>Aly’s areas of personal finance expertise include:</span><ul><li><span>Mortgages</span></li><li><span>Loans</span></li><li><span>Real estate</span></li><li><span>Insurance</span></li><li><span></span></li></ul><span><span class="headline-semibold">Education</span></span><span>Aly is a graduate of Texas Christian University, where she received a bachelor’s degree in radio/TV/film and news-editorial journalism.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> </div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 16 / 195)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/insider-today-logo.png' alt="Insider Today" /> <noscript> <img src="/public/assets/BI/US/logos/newsletters/insider-today-logo.png" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Sign up to get the inside scoop on today’s biggest stories in markets, tech, and business — delivered daily. <a href="https://l.businessinsider.com/e/evib?_t=c8e10479a20f45bba5aad6c5f6fbb009&_m=bee0b92dd7f64311b232730abc2d57af&_e=U5JhMPKexkqXQC0IbC5jAv93qEg9l9wpQfDa9HFV0yVMQv3svoC1aboxnptAyVwou2R68cPyvF-aWiSH-hyRWg%3D%3D" target="_blank" class="inline-newsletter-preview-link headline-semibold">Read preview</a> </div> </div> <div class="inline-newsletter-img-wrapper-mobile"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 124 / 111)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/rebrand/newsletter-bull.png' alt="Bull" /> <noscript> <img src="/public/assets/rebrand/newsletter-bull.png" /> </noscript> </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop"> <div class="success-image-container hidden"></div> <div class="success-message-container"> <div class="success-message headline-semibold hidden"> Thanks for signing up! <a class="npc-anchor not-content-link headline-semibold" href="https://www.businessinsider.com/subscription/newsletter">Go to newsletter preferences</a> </div> <div class="success-sub-message headline-semibold hidden"></div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-image-container"></div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold white-button download" type="white" > download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="mobile-error-msg error-msg headline-regular"></div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold dark-button inline-newsletter-submit" type="dark" > Sign up </button> </div> </div> <div class="desktop-error-msg error-msg headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you accept our <a class="tos-anchor" href="https://www.insider-inc.com/terms" target="_blank">Terms of Service</a> and <a class="tos-anchor" href="https://www.insider-inc.com/privacy-policy" target="_blank">Privacy Policy</a>. 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