Check Your USDA Eligibility

USDA loans offer $0 down for eligible rural and suburban properties. Answer a few questions and get connected with lenders who specialize in USDA—no initial credit impact, no obligation.

Single-family home in quiet small-town neighborhood

Connect with a USDA-Approved Lender

Check property and income eligibility

Enter a property ZIP or click a state. Toggle property eligibility and income limits. Both need to pass for the same address. Full eligibility map · Income limits by ZIP

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EligibleIneligibleUSDA ineligible boundary

How we estimate ZIP eligibility

We test the geographic center of each ZIP against USDA's ineligible area boundaries from the USDA Rural Development SFH/MFH map and mark the ZIP as likely eligible or likely not eligible. State percentages are the share of ZIP centers that pass. USDA scores the exact property, so treat this as an area-level estimate. If you'd like official verification, see USDA.gov. Official eligibility is decided only through a USDA approved lender.

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Frequently Asked Questions