USDA Loans

Get USDA Financing


USDA loans are designed for eligible homebuyers with low to moderate income and are located in rural areas, as deemed by the United States Department of Agriculture (USDA). Just like VA (Veteran Administration) loans, USDA loans are government backed and offer great benefits and options to those who are unable to meet requirements and secure conventional loan options offered.

Program Requirements

  • For low to moderate-income borrowers – limits vary by location and household size
  • Property must be in a designated area approved for the USDA program
  • Buyers must be approved for the mortgage payment including property taxes, homeowners’ and mortgage insurance
  • To see if you meet the requirements (income limits and designated area) for rural financing through the United States Department of Agriculture (USDA), you may visit here.
  • Explore if USDA financing or other available lending options can help you obtain homeownership by United Bank Loan Officer near you.

USDA Loan Benefits

  • No down payment required
  • Not limited to 1st-time homebuyers
  • Flexible credit & qualifying guidelines
  • Gift funds allowed
  • Seller may pay closing costs (or finance closing costs into loan)

Locate a Mortgage Loan Officer near you.

Need help? Give us a call.

We’ll get right back to you.

United Bank is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Reserve, Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480.
This is not a commitment to lend. Mortgage products and services are offered through United Bank. All loan applications are subject to credit and property approval and must meet loan program requirements to qualify. Annual Percentage Rate (APR), programs, rates, fees, closing costs, terms and conditions are subject to change without notice and may vary depending upon credit history and transaction specifics. Other closing costs may be necessary. Flood and/or property hazard insurance may be required.  Speak with a Mortgage Loan Officer for more specific information.
United Bank and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.