Check that the property is in an eligible rural area
Make sure your income meets USDA limits for your area
Confirm you plan to use the home as your primary residence
Review your credit history and improve it if needed
Gather documents such as pay stubs, tax returns, bank statements, and ID
Find a USDA-approved lender
Submit a mortgage application with the lender
Provide all requested financial and employment information
Get preapproved if possible
Choose a USDA-eligible home
Complete the lender’s underwriting process
Obtain a USDA appraisal and property eligibility review
Respond quickly to any lender conditions or document requests
Close on the loan once approved
Move into the home as your primary residence