.png)
USDA Purchase & Streamline Assist — Low-Cost Financing for Rural Communities
Affordable mortgage solutions designed for low- to moderate-income families in eligible rural areas.
USDA loans offer 100% financing, reduced fees, and flexible terms — making homeownership accessible without the need for cash reserves.
FAQs
Q: Who can qualify for this program?
A: Eligible buyers in designated rural areas with low to moderate income levels.
Q: What is the maximum LTV allowed?
A: Up to 100% loan-to-value, including the financed guarantee fee.
Q: Can closing costs be included in the loan?
A: Yes — closing costs can be financed up to 100% of the appraised value.
Q: Are cash reserves required?
A: No, cash reserves are not required for qualification.
Q: What credit score is needed?
A: Minimum FICO score of 620.
Q: How does it compare to FHA?
A: USDA loans offer lower guarantee fees than FHA mortgage insurance premiums (MIP).
Why This Program Works
This program helps rural buyers secure homeownership without the traditional hurdles. The combination of 100% financing, low fees, and no reserve requirements makes it ideal for households that may struggle with upfront costs. Plus, the ability to roll in closing costs provides even more financial flexibility.
A Smarter Way to Finance Your Rural Home
With USDA Purchase & Streamline Assist, borrowers can take advantage of government-backed support while avoiding heavy out-of-pocket expenses. This makes it a strategic option for buyers in eligible rural markets who want long-term affordability and immediate access to ownership.