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What is a USDA Mortgage?

A USDA mortgage is a 100% home loan available in rural and suburban parts of the country. USDA mortgages are known for low mortgage rates, discounted mortgage insurance, and no down payment minimums.

TABLE OF CONTENTS

A Longer Definition: USDA Mortgage

USDA Mortgages: The Lowest Rates & 100% LTV

USDA mortgages are no-money-down home loans for buyers in rural USDA-eligible areas. USDA loans are backed by the United States Department of Agriculture (USDA), which created the program after World War II.

For eligible home buyers, USDA mortgages often offer the best combination of interest rate, monthly cost, and down payment. 82.0% of USDA home buyers meet the definition of first-time home buyer.

The program is modeled after two other successful housing programs – the FHA loan and the VA loan – which showed the government how homeownership:

  1. Builds and strengthens communities
  2. Creates new jobs for Americans
  3. Generates additional state and local tax revenue

Rural Designations

The USDA mortgage is available in rural areas only and is sometimes called a Section 502 mortgage because the agency borrows its definition of rural from Section 502 of the Housing Act of 1949.

That law defines rural communities as having fewer than 2,500 residents and not linked to a major city; of being rural “in character” with less than 10,000 residents; or, with less than 20,000 residents not related to a metropolitan statistical area.

Then, in 2020, the Census Bureau added additional criteria to distinguish between rural and urban areas. 

  • Fewer than 2,000 housing units or 5,000 people
  • Fewer than 500 residents per square mile
  • Not more than 425 housing units per square mile
  • Not within a half-mile radius of an airport with 2,500 passengers or more per year

91 percent of the United States is within the USDA boundary, according to the USDA Eligibility Map.

USDA Mortgage Rate Chart

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Data: Optimal Blue. Do not reprint without permission.

The USDA Mortgage Programs

The USDA housing program comprises two loan types – the Guaranteed Loan program for higher-income households and the Direct Loan program for lower-income households. There is a third program designated for home repairs.

The USDA Guaranteed Loan Program

The official name of the USDA Guaranteed Loan program is ​​Section 502 Single Family Housing Guaranteed Loan Program. According to the agency, the Guaranteed Loan Program accounts for 90 percent of USDA loans made each year. 

The USDA Guaranteed Loan program is the catch-all USDA mortgage. It allows for 100% financing without mortgage insurance and lets buyers come to closing with no money whatsoever.

Section 502 Guaranteed Loans are available through mortgage lenders, brokers, and retail banks. USDA loans require a 640 credit score or better.

The USDA Direct Loan Program

The ​​Section 502 Single Family Housing Direct Loan Program is less common and more limiting than the Guaranteed Loan program, accounting for just four percent of USDA loans made in recent years.

USDA Direct Loans are so named because they’re issued directly by the USDA – not through lenders, brokers, or banks. The USDA reserves Direct Loans for low- and very-low-income households, which account for 25.6% of USDA home buyers. Loan terms extend to 38 years to minimize PITI monthly, and buyers must partake in credit education.

The USDA pegs Direct Loan interest rates. Since March 1, 2024, USDA Direct Loan mortgage rates are 4.500 percent. By comparison, today’s current mortgage rates for a 30-year conventional loan averages 6.75%.

The USDA Home Repair Loan Program

The USDA Section 504 Home Repair program makes loans up to $40,000 to help elderly, disabled, and low-income homeowners maintain the safety and livability of their homes. USDA Home Repair loans term for 20 years at a fixed interest rate of 1%. They’re for existing homeowners only.

Compare USDA Guaranteed Loan Program and USDA Direct Loan Program

Loan Trait USDA Guaranteed Loan USDA Direct Loan
Where to Apply Mortgage Companies USDA RD Office
Financeable Fees 1% Guarantee Fee Only All Loan Fees
Target Customers Up to Moderate-Income Households Low- and Very-Low- Income Households
Interest Rate Market Interest Rate 4.125%
Loan Terms 30 Years 33 or 38 Years
Annual Fees 0.35% of Loan Size $0
Max Loan Size No Limit Up to $776,600
Minimum FICO 640 640 or Lender Discretion
In-Ground Swimming Pools Allowed Not Allowed
Upfront Loan Fee 1% of Loan Size None

USDA Mortgage Qualification Standards

To qualify for a USDA loan, home buyers must meet typical mortgage guidelines and special agency requirements, such as buying a home in the USDA Eligibility Map.

Eligible home buyers must also:

  • Purchase a primary residence in a non-urban census tract
  • Use a 30-year fixed-rate mortgage (or 38-year for Direct Loans)
  • Earn a low or moderate household income
  • Carry a credit score of at least 620
  • Be a U.S. citizen or permanent resident alien

Furthermore, the USDA enforces maximum income limits by area, requires home buyers to complete a certified homeownership education course, and does not allow adjustable-rate mortgages.

Common Questions About USDA Mortgages

What are today’s USDA mortgage rates?

USDA mortgage rates change daily with mortgage-backed securities and mortgage market conditions. conditions. Check today’s USDA mortgage rates on the Homebuyer.com mortgage rates page.

Are USDA mortgage rates good?

Yes, USDA mortgage rates are nearly always lowest among conventional, FHA, and VA mortgage rates. For example, mortgage statistics show USDA mortgage rates average 24.9 basis points below conventional mortgage rates and 26.7 basis points below FHA mortgage rates.

Do USDA loans require a down payment?

No, the USDA mortgage program allows 100% financing on all homes in all communities. Home buyers aren’t required to make a down payment and can buy a home with no money down. 

Do USDA mortgages require mortgage insurance?

No USDA mortgages don’t require charge mortgage insurance, but the USDA charges a one-time, 1% guarantee fee at closing and adds a recurring 0.35 percent fee to USDA mortgages per year. The setup is similar to the FHA mortgage with its upfront and annual mortgage insurance premiums.

Can I add closing costs into a USDA mortgage?

Yes, the USDA Mortgage program lets home buyers add closing costs to their mortgage principal balance – even if the balance exceeds 100% of the home’s purchase price. The USDA also permits seller concessions to help buyers get a lower mortgage rate.

Are USDA mortgages assumable?

Yes, USDA mortgages include an assumption clause, which means that a future buyer of your home can purchase your home and mortgage simultaneously, retaining your interest rate and loan term. Assumable mortgages can raise a home’s resale value when interest rates rise because the home’s payment isn’t subject to current mortgage rates.

What types of homes can I buy with a USDA mortgage?

Home buyers can use USDA mortgages to finance 1-unit homes that are standalone, manufactured, modular, or condominium.

Is there a minimum property size requirement for a USDA mortgage?

The minimum allowable home size for USDA home loans is 400 square feet for manufactured properties.

Yes, home buyers can finance condominiums using the USDA mortgage program.

Can I get a USDA mortgage after a Chapter 7 bankruptcy?

New for 2024, home buyers with a Chapter 7 bankruptcy in their credit history can apply and get approved for a USDA mortgage after a 3-year waiting period after their discharge date.

Can I get a USDA mortgage after a Chapter 13 bankruptcy?

New for 2024, home buyers with a Chapter 13 bankruptcy in their credit history can apply and get approved for a USDA mortgage after a 12-month waiting period after their debt restructuring plan elapses.

Does the USDA use mortgage loan limits?

The Rural Housing Development Home Loan program enforces a maximum loan size by county, called the USDA Loan Limits. Home buyers can mortgage as much of their homes as their household income and monthly debts support within these limits.

Can I convert my home with a USDA mortgage to an Airbnb or VRBO short-term rental property?

USDA loans are for primary residences. Homes cannot be converted into short-term rental properties.

How much are USDA mortgage closing costs?

Closing costs for a USDA loan vary by mortgage company and by state. Closing costs are generally between 1-2% of the loan size. To reduce closing costs, use a no closing cost mortgage.

How do I apply for a USDA mortgage?

Home buyers can apply for a USDA Guaranteed Loan online with a mortgage company, or in-person at a bank branch office. Direct Loans for very-low-income borrowers require a direct application with the USDA.

New USDA Mortgage-Eligible Areas, Listed By State

Alabama – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Brent, Bibb County, AL 35042Map
Centre, Cherokee County, AL 35960Map
Century, Escambia County, FL 36441Map
Columbiana, Shelby County, AL 35051Map
Evergreen, Conecuh County, AL 36401Map
Fayette, Fayette County, AL 35555Map
Geneva, Geneva County, AL 36340Map
Grand Bay, Mobile County, AL 36541Map
Haleyville, Winston County, AL 35565Map
Hamilton, Marion County, AL 35570Map
Hanceville, Cullman County, AL 35077Map
Hazel Green, Madison County, AL 35750Map
Headland, Henry County, AL 36345Map
Jackson, Clarke County, AL 36545Map
Lake View, Jefferson County, AL 35111Map
Moulton, Lawrence County, AL 35650Map
Moundville, Hale County, AL 35474Map
Piedmont, Calhoun County, AL 36272Map
Roanoke, Randolph County, AL 36274Map
Springville, St. Clair County, AL 35146Map
Sumiton, Jefferson County, AL 35148Map
Tallassee, Elmore County, AL 36078Map
Thomasville, Clarke County, AL 36784Map
Union Springs, Bullock County, AL 36089Map
Woodstock, Jefferson County, AL 35111Map

Alaska – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Barrow, North Slope Borough, AK 99723Map
Kotzebue, Northwest Arctic Borough, AK 99752Map
Nome, Nome Census Area, AK 99762Map

Arizona – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Ajo, Pima County, AZ 85321Map
Avra Valley, Pima County, AZ 85653Map
Chinle, Apache County, AZ 86503Map
Clifton, Greenlee County, AZ 85533Map
Colorado City, Mohave County, AZ 86021Map
Eagar, Apache County, AZ 85925Map
Eloy, Pinal County, AZ 85131Map
Holbrook, Navajo County, AZ 86025Map
Kayenta, Navajo County, AZ 86033Map
Lake Montezuma, Yavapai County, AZ 86335Map
Picture Rocks, Pima County, AZ 85743Map
Rio Rico Northeast, Santa Cruz County, AZ 85648Map
San Carlos, Gila County, AZ 85550Map
San Manuel, Pinal County, AZ 85631Map
St. Johns, Apache County, AZ 85936Map
Superior, Pinal County, AZ 85173Map
Whiteriver, Gila County, AZ 85941Map
Willcox, Cochise County, AZ 85643Map
Williams, Coconino County, AZ 86046Map

Arkansas – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Ashdown, Little River County, AR 71822Map
Bald Knob, White County, AR 72010Map
Booneville, Logan County, AR 72927Map
Brinkley, Monroe County, AR 72021Map
Cherokee Village, Fulton County, AR 72529Map
Corning, Clay County, AR 72422Map
Dermott, Drew County, AR 71638Map
DeWitt, Arkansas County, AR 72042Map
England, Lonoke County, AR 72046Map
Fordyce, Dallas County, AR 71742Map
Green Forest, Carroll County, AR 72638Map
Greenbrier, Faulkner County, AR 72058Map
Hamburg, Ashley County, AR 71646Map
Lake Village, Chicot County, AR 71653Map
Lonoke, Lonoke County, AR 72086Map
Manila, Mississippi County, AR 72442Map
Marianna, Lee County, AR 72360Map
McGehee, Desha County, AR 71654Map
Nashville, Howard County, AR 71852Map
Ozark, Franklin County, AR 72949Map
Paris, Logan County, AR 72855Map
Piggott, Clay County, AR 72454Map
Prescott, Nevada County, AR 71857Map
Waldron, Scott County, AR 72958Map

California – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Alturas, Modoc County, CA 96101Map
Angels, Calaveras County, CA 95222Map
Arbuckle, Colusa County, CA 95912Map
Bonadelle Ranchos, Madera County, CA 93636Map
Burney, Shasta County, CA 96013Map
California City, Kern County, CA 93505Map
Calipatria, Imperial County, CA 92233Map
Colfax, Placer County, CA 95713Map
Cottonwood, Shasta County, CA 96022Map
East Quincy, Plumas County, CA 95971Map
Esparto, Yolo County, CA 95627Map
Frazier Park, Kern County, CA 93225Map
Guerneville, Sonoma County, CA 95446Map
Hidden Valley Lake, Lake County, CA 95467Map
Hilmar, Merced County, CA 95324Map
Kelseyville, Lake County, CA 95451Map
Lake Los Angeles, Los Angeles County, CA 93591Map
Lake Wildwood, Nevada County, CA 95946Map
Los Molinos, Tehama County, CA 96055Map
Mojave, Kern County, CA 93501Map
North Shore, Riverside County, CA 92254Map
Oakhurst, Madera County, CA 93644Map
Phelan, San Bernardino County, CA 92371Map
Planada, Merced County, CA 95365Map
Poplar, Tulare County, CA 93257Map
Portola, Plumas County, CA 96122Map
Rancho Murieta, Sacramento County, CA 95683Map
Richgrove, Tulare County, CA 93261Map
Rio Dell, Humboldt County, CA 95562Map
Riverdale, Fresno County, CA 93656Map
San Joaquin, Fresno County, CA 93660Map
Terra Bella, Tulare County, CA 93270Map
Tipton, Tulare County, CA 93272Map
Vandenberg AFB, Santa Barbara County, CA 93437Map
Wheatland, Yuba County, CA 95692Map
Yountville, Napa County, CA 94599Map

Colorado – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Air Force Academy, El Paso County, CO 80840Map
Bayfield, La Plata County, CO 81122Map
Burlington, Kit Carson County, CO 80807Map
Cedaredge, Delta County, CO 81418Map
Florence, Fremont County, CO 81226Map
Las Animas, Bent County, CO 81054Map
Monte Vista, Rio Grande County, CO 81144Map
Rocky Ford, Otero County, CO 81067Map
Silt, Garfield County, CO 81652Map
Walsenburg, Huerfano County, CO 81089Map
Yuma, Yuma County, CO 80759Map

Connecticut – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Litchfield, Litchfield County, CT 06759Map
Moodus, Middlesex County, CT 06469Map

Delaware – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Milton, Sussex County, DE 19968Map

Florida – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Alachua, Alachua County, FL 32615Map
Apalachicola, Franklin County, FL 32328Map
Blountstown, Calhoun County, FL 32424Map
Bonifay, Holmes County, FL 32425Map
Chattahoochee, Gadsden County, FL 32324Map
Chipley, Washington County, FL 32428Map
Crescent City, Putnam County, FL 32112Map
Crooked Lake Park, Polk County, FL 33827Map
Cross City, Dixie County, FL 32628Map
Fellsmere, Indian River County, FL 32948Map
Golden Gate Estates, Collier, FL 34117Map
Graceville, Jackson County, FL 32440Map
Havana, Gadsden County, FL 32333Map
High Springs, Alachua County, FL 32643Map
Interlachen, Putnam County, FL 32148Map
Jasper, Hamilton County, FL 32052Map
Lake Butler, Union County, FL 32054Map
Lake Panasoffkee, Sumter County, FL 33538Map
Madison, Madison County, FL 32340Map
Moore Haven, Glades County, FL 33471Map
Nassau Village, Nassau County, FL 32011Map
Ocala Estates, Marion County, FL 34482Map
Port St. Joe, Bay County, FL 32456Map
Ridge Manor, Pasco County, FL 33523Map
Trenton, Levy County, FL 32693Map
Wedgefield, Orange County, FL 32833Map
Williston, Levy County, FL 32696Map
Woodville, Wakulla County, FL 32327Map

Georgia – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Alma, Bacon County, GA 31510Map
Blackshear, Pierce County, GA 31516Map
Claxton, Evans County, GA 30417Map
Clayton, Rabun County, GA 30525Map
Cleveland, White County, GA 30528Map
Darien, McIntosh County, GA 31305Map
Eatonton, Putnam County, GA 31024Map
Folkston, Charlton County, GA 31537Map
Glennville, Tattnall County, GA 30427Map
Grantville, Coweta County, GA 30220Map
Gray, Jones County, GA 31032Map
Greensboro, Greene County, GA 30642Map
Harlem, Columbia County, GA 30814Map
Hawkinsville, Pulaski County, GA 31036Map
Homerville, Clinch County, GA 31634Map
Lake Park, Lowndes County, GA 31636Map
Lakeland, Lanier County, GA 31635Map
Leesburg, Lee County, GA 31763Map
Louisville, Burke County, GA 30434Map
Lula, Banks County, GA 30554Map
Manchester, Meriwether County, GA 31816Map
McRae, Telfair County, GA 31055Map
Metter, Candler County, GA 30439Map
Millen, Jenkins County, GA 30442Map
Montezuma, Dooly County, GA 31063Map
Monticello, Jasper County, GA 31064Map
Nelson, Cherokee County, GA 30107Map
Ocilla, Irwin County, GA 31774Map
Pelham, Mitchell County, GA 31779Map
Quitman, Brooks County, GA 31643Map
Reidsville, Tattnall County, GA 30453Map
Royston, Franklin County, GA 30662Map
Social Circle, Newton County, GA 30025Map
Soperton, Treutlen County, GA 30457Map
Sparta, Hancock County, GA 31087Map
Springfield, Effingham County, GA 31329Map
Sylvania, Screven County, GA 30467Map
Trenton, Dade County, GA 30752Map
Unadilla, Dooly County, GA 31091Map
Vienna, Dooly County, GA 31092Map
Washington, Wilkes County, GA 30673Map
Wrightsville, Johnson County, GA 31096Map
Yorkville, Polk County, GA 30153Map

Hawaii – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Captain Cook, Hawaii County, HI 96704Map
Hawaiian Paradise Park, Hawaii County, HI 96778Map
Honokaa, Hawaii County, HI 96727Map
Kalaheo, Kauai County, HI 96741Map
Kapaau, Hawaii County, HI 96755Map
Kilauea, Kauai County, HI 96754Map
Lanai City, Maui County, HI 96763Map
Waimea (Hawaii County), Hawaii County, HI 96743Map

Idaho – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
American Falls, Power County, ID 83211Map
Bonners Ferry, Boundary County, ID 83805Map
Buhl, Twin Falls County, ID 83316Map
Filer, Twin Falls County, ID 83328Map
Gooding, Gooding County, ID 83330Map
Grangeville, Idaho County, ID 83530Map
Homedale, Owyhee County, ID 83628Map
Kellogg, Shoshone County, ID 83837Map
Mountain Home AFB, Elmore County, ID 83648Map
Orofino, Clearwater County, ID 83544Map
Osburn, Shoshone County, ID 83873Map
Preston, Franklin County, ID 83263Map
Salmon, Lemhi County, ID 83467Map
Soda Springs, Caribou County, ID 83276Map
St. Anthony, Fremont County, ID 83445Map
St. Maries, Benewah County, ID 83861Map
Wendell, Gooding County, ID 83355Map

Illinois – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Abingdon, Knox County, IL 61410Map
Aledo, Mercer County, IL 61231Map
Arcola, Douglas County, IL 61910Map
Auburn, Sangamon County, IL 62615Map
Beecher, Will County, IL 60401Map
Bushnell, McDonough County, IL 61422Map
Cairo, Alexander County, IL 62914Map
Carlyle, Bond County, IL 62231Map
Carthage, Hancock County, IL 62321Map
Casey, Clark County, IL 62420Map
Christopher, Franklin County, IL 62822Map
Davis Junction, Winnebago County, IL 61020Map
Downs, McLean County, IL 61705Map
Dwight, Grundy County, IL 60420Map
El Paso, Woodford County, IL 61738Map
Eldorado, Saline County, IL 62930Map
Elmwood, Peoria County, IL 61529Map
Fairbury, Livingston County, IL 61739Map
Galena, Jo Daviess County, IL 61036Map
Gibson City, Ford County, IL 60936Map
Gilman, Iroquois County, IL 60938Map
Havana, Mason County, IL 62644Map
Heyworth, McLean County, IL 61745Map
Holiday Shores, Madison County, IL 62025Map
Le Roy, McLean County, IL 61752Map
Lena, Stephenson County, IL 61048Map
Mackinaw, Tazewell County, IL 61755Map
Marshall, Clark County, IL 62441Map
McLeansboro, Hamilton County, IL 62859Map
Metamora, Woodford County, IL 61548Map
Millstadt, St. Clair County, IL 62260Map
Momence, Kankakee County, IL 60954Map
Morrison, Whiteside County, IL 61270Map
Mount Morris, Ogle County, IL 61054Map
Mount Sterling, Brown County, IL 62353Map
Nashville, Washington County, IL 62263Map
New Baden, Clinton County, IL 62265Map
Newton, Jasper County, IL 62448Map
Nokomis, Montgomery County, IL 62075Map
Oregon, Ogle County, IL 61061Map
Pawnee, Sangamon County, IL 62558Map
Peotone, Will County, IL 60468Map
Petersburg, Menard County, IL 62675Map
Pinckneyville, Perry County, IL 62274Map
Pittsfield, Pike County, IL 62363Map
Red Bud, Monroe County, IL 62278Map
Rushville, Schuyler County, IL 62681Map
Savanna, Carroll County, IL 61074Map
Smithton, St. Clair County, IL 62285Map
Sparta, Randolph County, IL 62286Map
St. Joseph, Champaign County, IL 61873Map
Steeleville, Randolph County, IL 62272Map
Trenton, Clinton County, IL 62293Map
Virden, Macoupin County, IL 62690Map
White Hall, Greene County, IL 62092Map
Wonder Lake, McHenry County, IL 60097Map

Indiana – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Attica, Fountain County, IN 47918Map
Berne, Adams County, IN 46740Map
Bicknell, Knox County, IN 47512Map
Bloomfield, Greene County, IN 47424Map
Bremen, Marshall County, IN 46506Map
Brownstown, Jackson County, IN 47220Map
Butler, DeKalb County, IN 46721Map
Cambridge City, Wayne County, IN 47327Map
Covington, Fountain County, IN 47932Map
De Motte, Jasper County, IN 46310Map
Delphi, Carroll County, IN 46923Map
Dunkirk, Jay County, IN 47373Map
Fairmount, Grant County, IN 46928Map
Fort Branch, Gibson County, IN 47648Map
Greentown, Howard County, IN 46936Map
Hebron, Porter County, IN 46341Map
Heritage Lake, Hendricks County, IN 46121Map
Knightstown, Henry County, IN 46148Map
Knox, Starke County, IN 46534Map
Lagrange, LaGrange County, IN 46761Map
Ligonier, Noble County, IN 46767Map
Loogootee, Daviess County, IN 47553Map
Middlebury, Elkhart County, IN 46540Map
Middletown, Henry County, IN 47356Map
Mitchell, Lawrence County, IN 47446Map
New Carlisle, LaPorte County, IN 46552Map
Oakland City, Gibson County, IN 47660Map
Ossian, Wells County, IN 46777Map
Paoli, Orange County, IN 47454Map
Rockville, Parke County, IN 47872Map
Sheridan, Hamilton County, IN 46069Map
Upland, Grant County, IN 46989Map
Walkerton, St. Joseph County, IN 46574Map
Winamac, Pulaski County, IN 46996Map

Iowa – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Albia, Monroe County, IA 52531Map
Bellevue, Jackson County, IA 52031Map
Carlisle, Polk County, IA 50047Map
Chariton, Lucas County, IA 50049Map
Clarion, Wright County, IA 50525Map
Cresco, Howard County, IA 52136Map
Dyersville, Delaware County, IA 52040Map
Eagle Grove, Wright County, IA 50533Map
Emmetsburg, Palo Alto County, IA 50536Map
Forest City, Hancock County, IA 50436Map
Garner, Hancock County, IA 50438Map
Hampton, Franklin County, IA 50441Map
Huxley, Story County, IA 50124Map
Jefferson, Greene County, IA 50129Map
Missouri Valley, Harrison County, IA 51555Map
Monticello, Jones County, IA 52310Map
New Hampton, Chickasaw County, IA 50659Map
Onawa, Monona County, IA 51040Map
Osage, Mitchell County, IA 50461Map
Rock Valley, Sioux County, IA 51247Map
Sibley, Osceola County, IA 51249Map
Story City, Story County, IA 50248Map
Tipton, Cedar County, IA 52772Map
Waukon, Allamakee County, IA 52172Map
West Liberty, Muscatine County, IA 52776Map
Williamsburg, Iowa County, IA 52361Map
Wilton, Cedar County, IA 52778Map

Kansas – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Baldwin City, Douglas County, KS 66006Map
Baxter Springs, Cherokee County, KS 66713Map
Beloit, Cloud County, KS 67420Map
Burlington, Coffey County, KS 66839Map
Columbus, Cherokee County, KS 66725Map
De Soto, Johnson County, KS 66018Map
Ellsworth, Ellsworth County, KS 67439Map
Eureka, Greenwood County, KS 67045Map
Galena, Cherokee County, KS 66739Map
Garnett, Anderson County, KS 66032Map
Girard, Crawford County, KS 66743Map
Hesston, Harvey County, KS 67062Map
Hiawatha, Brown County, KS 66434Map
Hillsboro, Marion County, KS 67063Map
Hoisington, Barton County, KS 67544Map
Holton, Jackson County, KS 66436Map
Hugoton, Stevens County, KS 67951Map
Kingman, Kingman County, KS 67068Map
Lindsborg, Saline County, KS 67456Map
Louisburg, Miami County, KS 66053Map
Lyons, Rice County, KS 67554Map
Marysville, Marshall County, KS 66508Map
Neodesha, Wilson County, KS 66757Map
Norton, Norton County, KS 67654Map
Osage City, Osage County, KS 66523Map
Osawatomie, Miami County, KS 66064Map
Phillipsburg, Phillips County, KS 67661Map
Rose Hill, Butler County, KS 67133Map
Sabetha, Nemaha County, KS 66534Map
Scott City, Scott County, KS 67871Map
St. Marys, Pottawatomie County, KS 66536Map

Kentucky – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Cadiz, Trigg County, KY 42211Map
Crittenden, Boone County, KY 41030Map
Cumberland, Harlan County, KY 40823Map
Evarts, Harlan County, KY 40828Map
Flemingsburg, Fleming County, KY 41041Map
Hodgenville, Larue County, KY 42748Map
Jackson, Breathitt County, KY 41339Map
Lancaster, Garrard County, KY 40444Map
Manchester, Clay County, KY 40962Map
Marion, Crittenden County, KY 42064Map
Morganfield, Union County, KY 42437Map
Mount Vernon, Rockcastle County, KY 40456Map
Stanford, Lincoln County, KY 40484Map
Stanton, Powell County, KY 40380Map
Williamson, Pike County, WV 41503Map
Williamstown, Grant County, KY 41035Map

Louisiana – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Amite City, Tangipahoa Parish, LA 70422Map
Arcadia, Bienville Parish, LA 71001Map
Bunkie, Avoyelles Parish, LA 71322Map
Buras, Plaquemines Parish, LA 70041Map
Church Point, Acadia Parish, LA 70525Map
Cottonport, Avoyelles Parish, LA 71327Map
Delhi, Richland Parish, LA 71232Map
DeQuincy, Calcasieu Parish, LA 70633Map
Farmerville, Union Parish, LA 71241Map
Franklinton, Washington Parish, LA 70438Map
Homer, Claiborne Parish, LA 71040Map
Iowa, Calcasieu Parish, LA 70647Map
Jean Lafitte, Jefferson Parish, LA 70067Map
Jena, La Salle Parish, LA 71342Map
Lake Arthur, Jefferson Davis Parish, LA 70549Map
Lake Providence, East Carroll Parish, LA 71254Map
Livonia, Pointe Coupee Parish, LA 70755Map
Mamou, Evangeline Parish, LA 70554Map
Many, Sabine Parish, LA 71449Map
Pierre Part, St. Martin Parish, LA 70339Map
Port Barre, St. Landry Parish, LA 70577Map
Rayville, Richland Parish, LA 71269Map
South Vacherie, St. John the Baptist Parish, LA 70090Map
Sunset, St. Landry Parish, LA 70584Map
Vinton, Calcasieu Parish, LA 70668Map
Vivian, Caddo Parish, LA 71082Map
Welsh, Jefferson Davis Parish, LA 70591Map

Maine – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Bar Harbor, Hancock County, ME 04609Map
Calais, Washington County, ME 04619Map
Caribou, Aroostook County, ME 04736Map
Ellsworth, Hancock County, ME 04605Map
Farmington, Franklin County, ME 04938Map
Livermore Falls, Franklin County, ME 04239Map
Pittsfield, Somerset County, ME 04967Map

Maryland – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Centreville, Queen Anne’s County, MD 21617Map
Country Lakes, St. Mary’s County, MD 20659Map
Federalsburg, Caroline County, MD 21632Map
Glenwood, Howard, MD 21738Map
Golden Beach, St. Mary’s County, MD 20659Map
Long Beach, Calvert County, MD 20685Map
Pocomoke City, Somerset County, MD 21851Map
Prince Frederick, Calvert County, MD 20678Map
Shady Side, Anne Arundel County, MD 20778Map
Shepherdstown, Washington County, WV 21782Map
Westernport, Allegany County, MD 21521Map

Massachusetts – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Great Barrington, Berkshire County, MA 01230Map

Michigan – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Almont, Lapeer County, MI 48003Map
Bad Axe, Huron County, MI 48413Map
Blissfield, Lenawee County, MI 49228Map
Brooklyn, Jackson County, MI 49230Map
Cedar Springs, Kent County, MI 49319Map
Clare, Clare County, MI 48622Map
Constantine, St. Joseph County, MI 49042Map
Coopersville, Ottawa County, MI 49404Map
Dorr, Allegan, MI 49323Map
Fowlerville, Livingston County, MI 48836Map
Gladwin, Gladwin County, MI 48624Map
Goodrich, Genesee County, MI 48438Map
Grayling, Crawford County, MI 49738Map
Gun Lake, Allegan County, MI 49348Map
Hart, Oceana County, MI 49420Map
Imlay City, Lapeer County, MI 48444Map
Iron River, Iron County, MI 49935Map
Kalkaska, Kalkaska County, MI 49646Map
Manistique, Schoolcraft County, MI 49854Map
Middleville, Barry County, MI 49333Map
Munising, Alger County, MI 49862Map
Newaygo, Newaygo County, MI 49337Map
Newberry, Luce County, MI 49868Map
Perry, Shiawassee County, MI 48872Map
Rogers City, Presque Isle County, MI 49779Map
Sandusky, Sanilac County, MI 48471Map
Somerset, Hillsdale, MI 49249Map
Vassar, Tuscola County, MI 48768Map

Minnesota – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Albany, Stearns County, MN 56307Map
Annandale, Wright County, MN 55302Map
Becker, Sherburne County, MN 55308Map
Benson, Swift County, MN 56215Map
Blue Earth, Faribault County, MN 56013Map
Caledonia, Houston County, MN 55921Map
Cannon Falls, Goodhue County, MN 55009Map
Chatfield, Fillmore County, MN 55923Map
Cokato, Wright County, MN 55321Map
Crosby, Crow Wing County, MN 56444Map
Dodge Center, Dodge County, MN 55927Map
Elko New Market, Scott County, MN 55020Map
Ely, St. Louis County, MN 55731Map
Granite Falls, Yellow Medicine County, MN 56241Map
Jackson, Jackson County, MN 56143Map
Lake Crystal, Blue Earth County, MN 56055Map
Le Sueur, Le Sueur County, MN 56058Map
Long Prairie, Todd County, MN 56347Map
Lonsdale, Rice County, MN 55046Map
Melrose, Stearns County, MN 56352Map
Milaca, Mille Lacs County, MN 56353Map
Montgomery, Le Sueur County, MN 56069Map
Moose Lake, Carlton County, MN 55767Map
Mora, Kanabec County, MN 55051Map
Norwood Young America, Carver County, MN 55397Map
Park Rapids, Hubbard County, MN 56470Map
Perham, Otter Tail County, MN 56573Map
Pine City, Pine County, MN 55063Map
Pine Island, Olmsted County, MN 55963Map
Pipestone, Pipestone County, MN 56164Map
Plainview, Wabasha County, MN 55964Map
Rockford, Hennepin County, MN 55373Map
Roseau, Roseau County, MN 56751Map
Rush City, Chisago County, MN 55069Map
Sleepy Eye, Brown County, MN 56085Map
St. Charles, Olmsted County, MN 55972Map
St. James, Watonwan County, MN 56081Map
Staples, Todd County, MN 56479Map
Two Harbors, Lake County, MN 55616Map
Watertown, Carver County, MN 55388Map
Windom, Jackson County, MN 56101Map
Zumbrota, Goodhue County, MN 55992Map

Mississippi – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Aberdeen, Monroe County, MS 39730Map
Belzoni, Humphreys County, MS 39038Map
Blakely, Early County, GA 39823Map
Carthage, Leake County, MS 39051Map
Charleston, Tallahatchie County, MS 38921Map
Columbus AFB, Lowndes County, MS 39705Map
Cuthbert, Randolph County, GA 39840Map
Dawson, Terrell County, GA 39842Map
Donalsonville, Seminole County, GA 39845Map
Durant, Holmes County, MS 39063Map
Forest, Scott County, MS 39074Map
Fulton, Itawamba County, MS 38843Map
Hazlehurst, Copiah County, MS 39083Map
Hollandale, Washington County, MS 38748Map
Houston, Chickasaw County, MS 38851Map
Itta Bena, Leflore County, MS 38941Map
Leland, Washington County, MS 38756Map
Louisville, Winston County, MS 39339Map
Lucedale, George County, MS 39452Map
Macon, Noxubee County, MS 39341Map
Magee, Simpson County, MS 39111Map
Marks, Panola County, MS 38643Map
Moorhead, Sunflower County, MS 38761Map
Morton, Scott County, MS 39117Map
Newton, Newton County, MS 39345Map
Pontotoc, Pontotoc County, MS 38863Map
Raymond, Hinds County, MS 39154Map
Ripley, Tippah County, MS 38663Map
Ruleville, Sunflower County, MS 38771Map
Saltillo, Lee County, MS 38866Map
Tunica, Tunica County, MS 38676Map
Water Valley, Yalobusha County, MS 38965Map
Waynesboro, Wayne County, MS 39367Map
Wiggins, Stone County, MS 39577Map
Winona, Montgomery County, MS 38967Map

Missouri – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Ashland, Boone County, MO 65010Map
Ava, Douglas County, MO 65608Map
Bethany, Harrison County, MO 64424Map
Bowling Green, Pike County, MO 63334Map
Buckner, Jackson County, MO 64016Map
Buffalo, Dallas County, MO 65622Map
Butler, Bates County, MO 64730Map
California, Moniteau County, MO 65018Map
Carrollton, Carroll County, MO 64633Map
Cassville, Barry County, MO 65625Map
Centralia, Audrain County, MO 65240Map
Chaffee, Scott County, MO 63740Map
Charleston, Scott County, MO 63834Map
Cuba, Crawford County, MO 65453Map
East Prairie, Mississippi County, MO 63845Map
El Dorado Springs, Cedar County, MO 64744Map
Fayette, Howard County, MO 65248Map
Hayti, Pemiscot County, MO 63851Map
Hillsboro, Jefferson County, MO 63050Map
Ironton, Iron County, MO 63621Map
Lamar, Barton County, MO 64759Map
Lexington, Lafayette County, MO 64067Map
Louisiana, Pike County, MO 63353Map
Malden, Dunklin County, MO 63863Map
Montgomery City, Montgomery County, MO 63361Map
Mount Vernon, Lawrence County, MO 65712Map
New Madrid, New Madrid County, MO 63869Map
Owensville, Gasconade County, MO 65066Map
Palmyra, Marion County, MO 63461Map
Portageville, New Madrid County, MO 63873Map
Potosi, Washington County, MO 63664Map
Rogersville, Christian County, MO 65742Map
St. James, Phelps County, MO 65559Map
Thayer, Oregon County, MO 65791Map
Tipton, Moniteau County, MO 65081Map
Vandalia, Audrain County, MO 63382Map
Warsaw, Benton County, MO 65355Map
Windsor, Henry County, MO 65360Map
Wright City, St. Charles County, MO 63390Map

Montana – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Browning, Glacier County, MT 59417Map
Conrad, Pondera County, MT 59425Map
Cut Bank, Glacier County, MT 59427Map
Deer Lodge, Deer Lodge County, MT 59722Map
Four Corners, Gallatin County, MT 59718Map
Glasgow, Valley County, MT 59230Map
Hardin, Big Horn County, MT 59034Map
Lolo, Missoula County, MT 59847Map
Poplar, Roosevelt County, MT 59255Map
Shelby, Toole County, MT 59474Map
Wolf Point, Roosevelt County, MT 59201Map

Nebraska – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Ashland, Saunders County, NE 68003Map
Auburn, Nemaha County, NE 68305Map
Aurora, Hamilton County, NE 68818Map
Broken Bow, Custer County, NE 68822Map
Central City, Merrick County, NE 68826Map
Cozad, Dawson County, NE 69130Map
David City, Butler County, NE 68632Map
Gothenburg, Dawson County, NE 69138Map
Minden, Kearney County, NE 68959Map
O’Neill, Holt County, NE 68763Map
Valentine, Cherry County, NE 69201Map
Waverly, Lancaster County, NE 68462Map
West Point, Cuming County, NE 68788Map

Nevada – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Battle Mountain, Lander County, NV 89820Map
Hawthorne, Mineral County, NV 89415Map
Moapa Valley, Clark County, NV 89021Map
Spring Creek North, Elko County, NV 89815Map
Spring Creek South, Elko County, NV 89815Map
Washoe Valley, Washoe County, NV 89704Map
Yerington, Lyon County, NV 89447Map

New Hampshire – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Charlestown, Sullivan County, NH 03603Map
Epping, Rockingham County, NH 03042Map
Farmington, Strafford County, NH 03835Map
Hillsborough, Hillsborough County, NH 03244Map
Jaffrey, Cheshire County, NH 03452Map
Littleton, Grafton County, NH 03561Map
Newport, Sullivan County, NH 03773Map
Peterborough, Hillsborough County, NH 03458Map

New Jersey – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Belvidere, Warren County, NJ 07823Map
Laurel Lake, Cumberland County, NJ 08332Map
Milford, Hunterdon County, NJ 08848Map
Presidential Lakes Estates, Burlington County, NJ 08015Map
Upper Greenwood Lake, Passaic, NJ 07421Map
Woodstown, Salem County, NJ 08098Map

New Mexico – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Chaparral, Doña Ana County, NM 88081Map
Edgewood, Bernalillo County, NM 87015Map
Eldorado at Santa Fe, Santa Fe County, NM 87508Map
Eunice, Lea County, NM 88231Map
Holloman AFB, Otero County, NM 88330Map
Pojoaque, Santa Fe County, NM 87506Map
Santa Rosa, Guadalupe County, NM 88435Map
Santo Domingo Pueblo, Sandoval County, NM 87052Map
Tularosa, Otero County, NM 88352Map
Vado, Doña Ana County, NM 88072Map
Zuni Pueblo, McKinley County, NM 87327Map

New York – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Adams, Jefferson County, NY 13605Map
Akron, Erie County, NY 14001Map
Alfred, Allegany County, NY 14802Map
Arcade, Cattaraugus County, NY 14009Map
Attica, Genesee County, NY 14011Map
Avon, Livingston County, NY 14414Map
Bedford, Westchester County, NY 10506Map
Cazenovia, Madison County, NY 13035Map
Churchville, Monroe County, NY 14428Map
Cold Spring, Putnam County, NY 10516Map
Delhi, Delaware County, NY 13753Map
Dryden, Tompkins County, NY 13053Map
Gouverneur, St. Lawrence County, NY 13642Map
Granville, Washington County, NY 12832Map
Greenwich, Washington County, NY 12834Map
Hamilton, Madison County, NY 13346Map
Honeoye Falls, Monroe County, NY 14472Map
Hoosick Falls, Rensselaer County, NY 12090Map
Lowville, Lewis County, NY 13367Map
Mount Morris, Livingston County, NY 14510Map
Newfane, Niagara County, NY 14108Map
Otisville, Orange County, NY 10963Map
Red Hook, Dutchess County, NY 12571Map
Rhinebeck, Dutchess County, NY 12572Map
Skaneateles, Onondaga County, NY 13152Map
Sodus, Wayne County, NY 14551Map
Springville, Erie County, NY 14141Map
Ticonderoga, Essex County, NY 12883Map
Valatie, Columbia County, NY 12184Map
Walton, Delaware County, NY 13856Map
Walworth, Wayne, NY 14568Map
Warrensburg, Warren County, NY 12885Map
Warsaw, Wyoming County, NY 14569Map
Watchtower, Ulster County, NY 12566Map
Watkins Glen, Schuyler County, NY 14891Map
Weedsport, Cayuga County, NY 13166Map
Westfield, Chautauqua County, NY 14787Map
Wurtsboro, Sullivan County, NY 12721Map

North Carolina – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Benson, Harnett County, NC 27504Map
Biscoe, Montgomery County, NC 27209Map
Boiling Spring Lakes, Brunswick County, NC 28461Map
Boiling Springs, Cleveland County, NC 28152Map
Burgaw, Pender County, NC 28425Map
Elizabethtown, Bladen County, NC 28337Map
Elkin, Surry County, NC 28621Map
Enfield, Halifax County, NC 27823Map
Fairfield Harbour, Craven County, NC 28560Map
Fairmont, Robeson County, NC 28340Map
Grifton, Lenoir County, NC 28530Map
Jefferson, Ashe County, NC 28694Map
La Grange, Lenoir County, NC 28551Map
Lake Norman of Catawba, Catawba County, NC 28037Map
Locust, Stanly County, NC 28097Map
Louisburg, Franklin County, NC 27549Map
Mount Olive, Duplin County, NC 28365Map
Murfreesboro, Hertford County, NC 27855Map
Pittsboro, Chatham County, NC 27312Map
Plymouth, Washington County, NC 27962Map
Ramseur, Randolph County, NC 27316Map
Red Springs, Robeson County, NC 28377Map
Seven Lakes, Moore County, NC 27376Map
Sneads Ferry, Onslow County, NC 28460Map
Spruce Pine, Mitchell County, NC 28777Map
St. Pauls, Robeson County, NC 28384Map
Tabor City, Columbus County, NC 28463Map
Taylorsville, Alexander County, NC 28681Map
Troy, Montgomery County, NC 27371Map
Wallace, Duplin County, NC 28466Map
Warsaw, Duplin County, NC 28398Map
Windsor, Bertie County, NC 27983Map
Yadkinville, Yadkin County, NC 27055Map

North Dakota – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Beulah, Mercer County, ND 58523Map
Grafton, Walsh County, ND 58237Map
Grand Forks AFB, Grand Forks County, ND 58204Map
Lincoln, Burleigh County, ND 58504Map
Minot AFB, Ward County, ND 58704Map
Rugby, Pierce County, ND 58368Map

Ohio – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Apple Valley, Knox County, OH 43028Map
Archbold, Fulton County, OH 43502Map
Baltimore, Fairfield County, OH 43105Map
Barnesville, Belmont County, OH 43713Map
Bethel, Clermont County, OH 45106Map
Blanchester, Clinton County, OH 45107Map
Bluffton, Allen County, OH 45817Map
Bolivar, Tuscarawas County, OH 44612Map
Cadiz, Harrison County, OH 43907Map
Caldwell, Noble County, OH 43724Map
Carey, Wyandot County, OH 43316Map
Carrollton, Carroll County, OH 44615Map
Cedarville, Clark County, OH 45314Map
Coldwater, Mercer County, OH 45828Map
Covington, Miami County, OH 45318Map
Crooksville, Perry County, OH 43731Map
Dalton, Wayne County, OH 44618Map
Darbydale, Franklin County, OH 43126Map
Delta, Fulton County, OH 43515Map
Garrettsville, Portage County, OH 44231Map
Genoa, Ottawa County, OH 43430Map
Georgetown, Brown County, OH 45121Map
Glouster, Athens County, OH 45732Map
Hicksville, Defiance County, OH 43526Map
Jamestown, Greene County, OH 45335Map
Jefferson, Ashtabula County, OH 44047Map
LaGrange, Lorain County, OH 44050Map
Lake Lakengren, Preble County, OH 45320Map
Lisbon, Columbiana County, OH 44432Map
Lodi, Medina County, OH 44254Map
Lucasville, Scioto County, OH 45648Map
Malvern, Carroll County, OH 44644Map
McConnelsville, Morgan County, OH 43756Map
Middlefield, Geauga County, OH 44062Map
Millersburg, Holmes County, OH 44654Map
Minerva, Carroll County, OH 44657Map
Montpelier, Williams County, OH 43543Map
Mount Gilead, Morrow County, OH 43338Map
Mount Orab, Brown County, OH 45154Map
New Concord, Muskingum County, OH 43762Map
New Lebanon, Montgomery County, OH 45345Map
New Richmond, Clermont County, OH 45157Map
Newcomerstown, Tuscarawas County, OH 43832Map
North Baltimore, Wood County, OH 45872Map
Oak Harbor, Ottawa County, OH 43449Map
Paulding, Paulding County, OH 45879Map
Plain City, Delaware County, OH 43064Map
Sabina, Clinton County, OH 45169Map
Seville, Medina County, OH 44273Map
Versailles, Darke County, OH 45380Map
West Lafayette, Coshocton County, OH 43845Map
West Union, Adams County, OH 45693Map
Yellow Springs, Clark County, OH 45387Map

Oklahoma – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Blanchard, Grady County, OK 73010Map
Bristow, Creek County, OK 74010Map
Broken Bow, McCurtain County, OK 74728Map
Cache, Comanche County, OK 73527Map
Chandler, Lincoln County, OK 74834Map
Checotah, McIntosh County, OK 74426Map
Cleveland, Pawnee County, OK 74020Map
Davis, Murray County, OK 73030Map
Frederick, Tillman County, OK 73542Map
Harrah, Oklahoma County, OK 73045Map
Hartshorne, Pittsburg County, OK 74547Map
Heavener, Le Flore County, OK 74937Map
Hobart, Kiowa County, OK 73651Map
Hominy, Osage County, OK 74035Map
Kingfisher, Kingfisher County, OK 73750Map
Lindsay, Garvin County, OK 73052Map
Madill, Marshall County, OK 73446Map
Mangum, Greer County, OK 73554Map
Mannford, Pawnee County, OK 74044Map
Marlow, Stephens County, OK 73055Map
Muldrow, Sequoyah County, OK 74954Map
New Cordell, Washita County, OK 73632Map
Nowata, Nowata County, OK 74048Map
Okemah, Okfuskee County, OK 74859Map
Pawhuska, Osage County, OK 74056Map
Sayre, Beckham County, OK 73662Map
Stigler, Haskell County, OK 74462Map
Stilwell, Adair County, OK 74960Map
Tonkawa, Kay County, OK 74653Map
Tuttle, Grady County, OK 73089Map
Walters, Cotton County, OK 73572Map
Watonga, Blaine County, OK 73772Map
Wewoka, Seminole County, OK 74884Map
Wilburton, Latimer County, OK 74578Map

Oregon – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Boardman, Morrow County, OR 97818Map
Carlton, Yamhill County, OR 97111Map
Gold Beach, Curry County, OR 97444Map
Harrisburg, Linn County, OR 97446Map
Irrigon, Morrow County, OR 97844Map
La Pine Northwest, Deschutes County, OR 97739Map
Lakeview, Lake County, OR 97630Map
Mount Angel, Marion County, OR 97362Map
Nyssa, Malheur County, OR 97913Map
Oakridge, Lane County, OR 97463Map
Shady Cove, Jackson County, OR 97539Map
Toledo, Lincoln County, OR 97391Map

Pennsylvania – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Albion, Erie County, PA 16401Map
Brockway, Jefferson County, PA 15824Map
Burgettstown, Washington County, PA 15021Map
Cambridge Springs, Crawford County, PA 16403Map
Curwensville, Clearfield County, PA 16833Map
East Prospect, York County, PA 17368Map
Elverson, Chester County, PA 19520Map
Emmitsburg, Adams County, MD 17320Map
Emporium, Cameron County, PA 15834Map
Everett, Bedford County, PA 15537Map
Fairdale, Greene County, PA 15320Map
Houtzdale, Clearfield County, PA 16651Map
Kane, McKean County, PA 16735Map
Lake Meade, Adams County, PA 17316Map
Ligonier, Westmoreland County, PA 15658Map
Lykens, Dauphin County, PA 17097Map
Mansfield, Tioga County, PA 16933Map
Martinsburg, Blair County, PA 16662Map
Masontown, Fayette County, PA 15461Map
Mercer, Mercer County, PA 16137Map
Meyersdale, Somerset County, PA 15552Map
Mifflinburg, Union County, PA 17844Map
Mifflintown, Juniata County, PA 17059Map
Millsboro, Fayette, PA 15433Map
Montgomery, Lycoming County, PA 17752Map
Moscow, Lackawanna County, PA 18444Map
Mount Holly Springs, Cumberland County, PA 17065Map
Mount Union, Mifflin County, PA 17066Map
Nanty, Cambria County, PA 15943Map
New Wilmington, Lawrence County, PA 16142Map
Newport, Perry County, PA 17074Map
Northern Cambria, Indiana County, PA 15714Map
Patton, Cambria County, PA 16668Map
Pine Grove, Schuylkill County, PA 17963Map
Pocono Woodland Lakes, Pike County, PA 18337Map
Quarryville, Lancaster County, PA 17566Map
Reynoldsville, Jefferson County, PA 15851Map
Saw Creek, Pike County, PA 18324Map
Sierra View, Monroe County, PA 18330Map
Stewartstown, York County, PA 17363Map
Susquehanna Depot, Susquehanna County, PA 18847Map
Tunkhannock, Wyoming County, PA 18657Map
Union City, Crawford County, PA 16438Map
Williamstown, Schuylkill County, PA 17980Map
Youngsville, Warren County, PA 16371Map

Puerto Rico – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Maricao, Maricao Municipio, PR 606Map

South Carolina – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Allendale, Allendale County, SC 29810Map
Andrews, Georgetown County, SC 29510Map
Bamberg, Bamberg County, SC 29003Map
Barnwell, Barnwell County, SC 29812Map
Bishopville, Lee County, SC 29010Map
Chesnee, Cherokee County, SC 29323Map
Denmark, Bamberg County, SC 29042Map
Edgefield, Edgefield County, SC 29824Map
Hampton, Hampton County, SC 29924Map
Hardeeville, Beaufort County, SC 29927Map
Honea Path, Laurens County, SC 29654Map
Lake Murray North Shore, Richland County, SC 29036Map
Pageland, Chesterfield County, SC 29728Map
Ridgeland, Jasper County, SC 29936Map
Saluda, Saluda County, SC 29138Map
Woodruff, Greenville County, SC 29388Map

South Dakota – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Canton, Lincoln County, SD 57013Map
Dell Rapids, Minnehaha County, SD 57022Map
Hot Springs, Fall River County, SD 57747Map
Milbank, Grant County, SD 57252Map
Mobridge, Dewey County, SD 57601Map
North Eagle Butte, Dewey County, SD 57625Map
Pine Ridge, Shannon County, SD 57770Map
Winner, Tripp County, SD 57580Map

Tennessee – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Ashland City, Cheatham County, TN 37015Map
Bells, Crockett County, TN 38006Map
Camden, Benton County, TN 38320Map
Carthage, Smith County, TN 37030Map
Dandridge, Jefferson County, TN 37725Map
Dunlap, Sequatchie County, TN 37327Map
Dyer, Gibson County, TN 38369Map
Fairview, Williamson County, TN 37062Map
Halls, Lauderdale County, TN 38040Map
Hohenwald, Lewis County, TN 38462Map
Jasper, Marion County, TN 37347Map
Livingston, Overton County, TN 38570Map
Medina, Gibson County, TN 38355Map
Monterey, Putnam County, TN 38574Map
Mountain City, Johnson County, TN 37683Map
Oneida, Scott County, TN 37841Map
Pleasant View, Robertson County, TN 37146Map
Selmer, McNairy County, TN 38375Map
Trenton, Gibson County, TN 38382Map
Waverly, Humphreys County, TN 37185Map
Woodbury, Cannon County, TN 37190Map

Texas – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Abernathy, Hale County, TX 79311Map
Ballinger, Runnels County, TX 76821Map
Bartlett, Bell County, TX 76511Map
Bellville, Austin County, TX 77418Map
Big Lake, Reagan County, TX 76932Map
Bishop, Nueces County, TX 78343Map
Brackettville, Kinney County, TX 78832Map
Brazoria, Brazoria County, TX 77422Map
Bridgeport, Wise County, TX 76426Map
Brookshire, Waller County, TX 77423Map
Cactus, Moore County, TX 79013Map
Caldwell, Burleson County, TX 77836Map
Canadian, Hemphill County, TX 79014Map
Canton, Van Zandt County, TX 75103Map
Castroville, Medina County, TX 78009Map
Cisco, Callahan County, TX 76437Map
Clarksville, Red River County, TX 75426Map
Clifton, Bosque County, TX 76634Map
Clyde, Callahan County, TX 79510Map
Columbus, Colorado County, TX 78934Map
Comanche, Comanche County, TX 76442Map
Comfort, Kendall County, TX 78013Map
Cotulla, La Salle County, TX 78014Map
Crane, Crane County, TX 79731Map
Daingerfield, Cass County, TX 75656Map
Deerwood, Montgomery County, TX 77306Map
Denver City, Gaines County, TX 79323Map
Devine, Medina County, TX 78016Map
Diboll, Angelina County, TX 75941Map
Dilley, Frio County, TX 78017Map
Dimmitt, Castro County, TX 79027Map
Dublin, Erath County, TX 76446Map
Eagle Lake, Colorado County, TX 77434Map
Eastland, Eastland County, TX 76448Map
Electra, Wichita County, TX 76360Map
Elroy, Travis County, TX 78617Map
Emerald Bay, Smith County, TX 75762Map
Fairfield, Freestone County, TX 75840Map
Farmersville, Collin County, TX 75442Map
Floydada, Floyd County, TX 79235Map
Friona, Parmer County, TX 79035Map
Fritch, Hutchinson County, TX 79036Map
Giddings, Lee County, TX 78942Map
Grand Saline, Van Zandt County, TX 75140Map
Grangerland, Montgomery County, TX 77302Map
Groesbeck, Limestone County, TX 76642Map
Hamilton, Hamilton County, TX 76531Map
Haskell, Haskell County, TX 79521Map
Hearne, Robertson County, TX 77859Map
Hebbronville, Jim Hogg County, TX 78361Map
Henrietta, Clay County, TX 76365Map
Highland Oaks, Bexar County, TX 78264Map
Homesteads Addition, Johnson County, TX 76009Map
Jacksboro, Jack County, TX 76458Map
Jones Creek, Brazoria County, TX 77541Map
Junction, Kimble County, TX 76849Map
Karnes City, Karnes County, TX 78118Map
Kenedy, Karnes County, TX 78119Map
Lake Conroe Northshore, Montgomery County, TX 77318Map
Llano, Llano County, TX 78643Map
Lytle, Atascosa County, TX 78052Map
Madisonville, Madison County, TX 77864Map
Malakoff, Henderson County, TX 75148Map
Mescalero Park, Potter County, TX 79118Map
Mont Belvieu, Liberty County, TX 77535Map
Mount Vernon, Franklin County, TX 75457Map
Needville, Fort Bend County, TX 77461Map
Nocona, Montague County, TX 76255Map
Odem, San Patricio County, TX 78370Map
Olney, Young County, TX 76374Map
Onalaska, Polk County, TX 77360Map
Ozona, Crockett County, TX 76943Map
Palacios, Matagorda County, TX 77465Map
Pilot Point, Denton County, TX 76258Map
Pittsburg, Camp County, TX 75686Map
Post, Garza County, TX 79356Map
Poteet, Atascosa County, TX 78065Map
Prairie View, Waller County, TX 77446Map
Premont, Jim Wells County, TX 78375Map
Presidio, Presidio County, TX 79845Map
Quitman, Wood County, TX 75783Map
Refugio, Refugio County, TX 78377Map
Rio Bravo, Webb County, TX 78046Map
Rio Hondo, Cameron County, TX 78583Map
Rusk, Cherokee County, TX 75785Map
San Diego, Jim Wells County, TX 78384Map
San Saba, San Saba County, TX 76877Map
Schulenburg, Fayette County, TX 78956Map
Smithville, Bastrop County, TX 78957Map
Sonora, Sutton County, TX 76950Map
Spearman, Hansford County, TX 79081Map
Springtown, Parker County, TX 76082Map
Stamford, Haskell County, TX 79553Map
Sullivan City, Hidalgo County, TX 78595Map
Sunrise Shores, Henderson County, TX 75758Map
Sweeny, Brazoria County, TX 77480Map
Taft, San Patricio County, TX 78390Map
Tahoka, Lynn County, TX 79373Map
Teague, Freestone County, TX 75860Map
Tornillo, El Paso County, TX 79853Map
Trinity, Trinity County, TX 75862Map
Tulia, Swisher County, TX 79088Map
Van, Van Zandt County, TX 75790Map
Venus, Dallas County, TX 76084Map
West, McLennan County, TX 76691Map
West Tawakoni, Hunt County, TX 75474Map
Whitesboro, Cooke County, TX 76273Map
Wills Point, Van Zandt County, TX 75169Map
Winnie, Chambers County, TX 77665Map
Winnsboro, Franklin County, TX 75494Map
Winters, Runnels County, TX 79567Map
Woodcreek, Hays County, TX 78676Map
Woodville, Tyler County, TX 75979Map

Utah – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Beaver, Beaver County, UT 84713Map
Blanding, San Juan County, UT 84511Map
Castle Dale, Emery County, UT 84513Map
Delta, Millard County, UT 84624Map
Gunnison, Sanpete County, UT 84634Map
Kamas, Summit County, UT 84036Map
Kanab, Kane County, UT 84741Map
Manti, Sanpete County, UT 84642Map
Morgan, Morgan County, UT 84050Map
Mount Pleasant, Sanpete County, UT 84647Map
Parowan, Iron County, UT 84761Map

Vermont – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Fair Haven, Rutland County, VT 05735Map
Lyndonville, Caledonia County, VT 05851Map
Newport, Orleans County, VT 05855Map
Northfield, Washington County, VT 05663Map
Swanton, Franklin County, VT 05488Map
Vergennes, Addison County, VT 05491Map
Waterbury, Washington County, VT 05676Map
Windsor, Windsor County, VT 05089Map

Virginia – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Berryville, Clarke County, VA 22611Map
Blackstone, Nottoway County, VA 23824Map
Chase City, Mecklenburg County, VA 23924Map
Coeburn, Wise County, VA 24230Map
Crewe, Nottoway County, VA 23922Map
Dahlgren, King George County, VA 22448Map
Gloucester Courthouse, Gloucester County, VA 23061Map
Grottoes, Augusta County, VA 24441Map
King George, King George County, VA 22485Map
Lake Land’Or, Caroline County, VA 22546Map
Lawrenceville, Brunswick County, VA 23868Map
Lebanon, Russell County, VA 24266Map
Pearisburg, Giles County, VA 24134Map
Ruckersville, Greene County, VA 22968Map
Stuarts Draft, Augusta County, VA 24477Map
Tappahannock, Essex County, VA 22560Map
Twin Lakes, Greene County, VA 22973Map
West Point, King William County, VA 23181Map
Weyers Cave, Augusta County, VA 24486Map

Washington – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Benton City, Benton County, WA 99320Map
Camano, WA 98282Map
Camano North, WA 98282Map
Clearwood, Thurston County, WA 98597Map
Colfax, Whitman County, WA 99111Map
Dayton, Columbia County, WA 99328Map
Deer Park, Spokane County, WA 99006Map
Eatonville, Pierce County, WA 98328Map
Everson, Whatcom County, WA 98247Map
Forks, Grays Harbor County, WA 98331Map
Goldendale, Klickitat County, WA 98620Map
Granger, Yakima County, WA 98932Map
Indianola, Kitsap County, WA 98346Map
Kalama, Cowlitz County, WA 98625Map
La Center, Clark County, WA 98629Map
La Conner, Skagit County, WA 98257Map
Leavenworth, Chelan County, WA 98826Map
Mabton, Yakima County, WA 98935Map
Mattawa, Grant County, WA 99349Map
Medical Lake, Spokane County, WA 99022Map
Newport, Pend Oreille County, WA 99156Map
Nine Mile Falls, Spokane County, WA 99026Map
Peaceful Valley, Whatcom County, WA 98266Map
Raymond, Pacific County, WA 98586Map
Warden, Grant County, WA 98857Map

West Virginia – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Alderson, Greenbrier County, WV 24910Map
Glenville, Gilmer County, WV 26351Map
Hinton, Summers County, WV 25951Map
Kingwood, Preston County, WV 26537Map
Madison, Boone County, WV 25130Map
Montgomery, Kanawha County, WV 25102Map
Moorefield, Hardy County, WV 26836Map
Narrows, Monroe County, VA 24963Map
Oceana, Wyoming County, WV 24870Map
Paden City, Tyler County, WV 26159Map
Petersburg, Grant County, WV 26847Map
Philippi, Barbour County, WV 26416Map
Ravenswood, Jackson County, WV 26164Map
Ripley, Jackson County, WV 25271Map
Shannondale, Jefferson County, WV 25425Map
Sissonville, Kanawha County, WV 25312Map
Spencer, Roane County, WV 25276Map
St. Marys, Washington County, WV 45768Map
Summersville, Nicholas County, WV 26651Map
Welch, McDowell County, WV 24801Map
White Sulphur Springs, Greenbrier County, WV 24986Map

Wisconsin – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Abbotsford, Clark County, WI 54405Map
Algoma, Kewaunee County, WI 54201Map
Amery, Polk County, WI 54001Map
Arcadia, Trempealeau County, WI 54612Map
Baldwin, St. Croix County, WI 54015Map
Barron, Barron County, WI 54812Map
Bloomer, Chippewa County, WI 54724Map
Boscobel, Grant County, WI 53805Map
Brillion, Calumet County, WI 54110Map
Brodhead, Green County, WI 53520Map
Cambridge, Jefferson County, WI 53523Map
Chetek, Barron County, WI 54728Map
Chilton, Calumet County, WI 53014Map
Ellsworth, Pierce County, WI 54011Map
Hayward, Sawyer County, WI 54843Map
Horicon, Dodge County, WI 53032Map
Johnson Creek, Jefferson County, WI 53038Map
Juneau, Dodge County, WI 53039Map
Kewaunee, Kewaunee County, WI 54216Map
Kiel, Calumet County, WI 53061Map
Ladysmith, Rusk County, WI 54848Map
Lancaster, Grant County, WI 53813Map
Lodi, Columbia County, WI 53555Map
Marshall, Dane County, WI 53559Map
Mauston, Juneau County, WI 53948Map
Mazomanie, Dane County, WI 53560Map
Oconto, Oconto County, WI 54153Map
Oconto Falls, Oconto County, WI 54154Map
Omro, Winnebago County, WI 54963Map
Oostburg, Sheboygan County, WI 53070Map
Osceola, Polk County, WI 54020Map
Prescott, Pierce County, WI 54021Map
Pulaski, Brown County, WI 54162Map
Seymour, Outagamie County, WI 54165Map
Somerset, St. Croix County, WI 54025Map
Spooner, Washburn County, WI 54801Map
Stanley, Chippewa County, WI 54768Map
Tomahawk, Lincoln County, WI 54487Map
Waterloo, Jefferson County, WI 53594Map
Wautoma, Waushara County, WI 54982Map
Winneconne, Winnebago County, WI 54986Map
Wrightstown, Brown County, WI 54180Map

Wyoming – USDA Mortgage Zones Added For 2024

Newly-Added USDA Mortgage ZonesMap
Kemmerer, Lincoln County, WY 83116Map
Newcastle, Weston County, WY 82701Map
Thermopolis, Hot Springs County, WY 82443Map
Wheatland, Platte County, WY 82201Map

New In 2024: Newly-Ineligible USDA Mortgage Zones

Ineligible Mortgage Zones for 2024Compare Conventional Rates
Buckeye, AZ 85326Buckeye Mortgage Rates
Cienega Springs, AZ 85344Cienega Springs Mortgage Rates
Florence, AZ 85132Florence Mortgage Rates
Heber-Overgaard, AZ 85933Heber-Overgaard Mortgage Rates
Munds Park, AZ 86017Munds Park Mortgage Rates
Rio Verde, AZ 85263Rio Verde Mortgage Rates
Grand Lake, CO 80447Grand Lake Mortgage Rates
Mountain Village, CO 81435Mountain Village Mortgage Rates
Snowmass Village, CO 81615Snowmass Village Mortgage Rates
St. James City, FL 33956St. James City Mortgage Rates
Wildwood, FL 34785Wildwood Mortgage Rates
McCall, ID 83638McCall Mortgage Rates
Boothbay Harbor, ME 4538Boothbay Harbor Mortgage Rates
Au Gres, MI 48703Au Gres Mortgage Rates
Frankfort, MI 49635Frankfort Mortgage Rates
Higgins Lake, MI 48627Higgins Lake Mortgage Rates
St. Helen, MI 48656St. Helen Mortgage Rates
Glenwood, MN 56334Glenwood Mortgage Rates
Blowing Rock, NC 28605Blowing Rock Mortgage Rates
Lake Royale, NC 27549Lake Royale Mortgage Rates
Watford City, ND 58854Watford City Mortgage Rates
Lincoln, NH 03251Lincoln Mortgage Rates
Meredith, NH 03253Meredith Mortgage Rates
Clayton, NY 13624Clayton Mortgage Rates
Fire Island, NY 11770Fire Island Mortgage Rates
Manzanita, OR 97130Manzanita Mortgage Rates
Rockaway Beach, OR 97136Rockaway Beach Mortgage Rates
Palmyra, PA 17078Palmyra Mortgage Rates
Seabrook Island, SC 29455Seabrook Island Mortgage Rates
Heartland, TX 75126Heartland Mortgage Rates
Sonterra, TX 78258 Sonterra Mortgage Rates
Chincoteague, VA 23336Chincoteague Mortgage Rates
Freeland, WA 98249Freeland Mortgage Rates
Friday Harbor, WA 98250Friday Harbor Mortgage Rates
Long Beach, WA 98631Long Beach Mortgage Rates
Point Roberts, WA 98281Point Roberts Mortgage Rates

Citations

This article, "What is a USDA Mortgage?" draws on the author's professional mortgage experiences and references information found at these authoritative websites:

Changelog

  • February 12, 2024: Replaced the "What is A USDA Mortgage" video
  • February 6, 2024: Rewrote introduction and body of article for clarity; Added USDA mortgage rate chart; Added citations; Added additional common questions. Added February Direct Loan interest rates.
  • December 20, 2023: Added January 2024 interest rate for SFH Direct Programs. Removed November 2023 rates.
  • November 15, 2023: Added December 2023 interest rate for SFH Direct Programs
  • November 9, 2020: Original publish date

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       USDA loans are 100% mortgages backed by the USDA. They're known for low mortgage rates, discounted mortgage insurance, and no down payment minimums.

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