Check USDA eligibility for the property, location, and your household income
Review your credit, debt, and employment history
Find a USDA-approved lender
Get preapproved for a USDA loan
Choose a USDA-eligible home in a qualifying rural area
Submit a full mortgage application with the lender
Provide required documents, including income, tax, asset, and identity records
Complete the lender’s underwriting process
Receive USDA loan approval
Close on the home and sign the final loan documents