USDA Rural Development Loans

Live comfortably in rural Utah & California. Ask me if your area qualifies!

The 100% Financing Solution to Homeownership

Using a USDA loan, buyers can finance 100% of a home’s purchase price while getting access to better-than-average mortgage rates. This is because USDA mortgage rates are discounted as compared to rates with other low-down payment loans.

The United States Department of Agriculture (USDA) sets lending guidelines for the program, which is why it is also called the USDA Rural Development (RD) Loan. This mortgage type reduces costs for home buyers in rural and suburban areas. It is one of the most cost effective home buying programs in the marketplace today.

Why Choose a USDA Rural Housing Home Loan?

  • 100% financing + finance the USDA fee
  • Zero down payment
  • A low 0.35% annual fee (cheaper than FHA MI)
  • Low credit score requirements
  • Gift funds can be used for closing costs
  • Low interest rates
  • Low closing costs
  • Flexible qualification guidelines
  • 30-Year, fixed-rate mortgage required
  • Lower overall cash-to-close

Ineligible USDA Rural Areas in Utah

USDA Rural Development requires a "rural" designation to qualify. Larger population cities will not qualify. Below, you will find updated maps as of December 3rd, 2021 that shows ineligible areas in yellow where USDA Rural is unavailable.

As always, if there's ever a question or if the address it close to the yellow border, feel free to fill out the form at the bottom of this page and I'll verify the address for you!

Southern Utah USDA Map

Southern Utah USDA Ineligible Areas

Ineligible Wasatch Front, Northern Utah Map

Wasatch Front Utah Ineligible Areas

See if a USDA Rural Home Loan is Right For You!

A program sponsored by the USDA might seem to be targeted to farmers and ranchers, but your occupation has nothing to do with the qualification process. Eligibility is simply a matter of income, debt and location.

Please fill out the following information and I will give you a call to discuss your options!

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By filling out the form above, you are giving permission to Scott Buehler to call, text or email to discuss your USDA Rural home loan needs. We may also discuss other options like Utah Conventional Loans, FHA Mortgage Options, VA Veteran Home Loans, Utah or California Refinance Opportunities or Down Payment Assistance. Your information will not be sold.

Scott Buehler Homebuyer Book

Free Homebuying Guide

Learn the benefits of buying a home including potential equity growth, predictable costs, possible tax write-offs, freedom to renovate and decorate and so much more.

You will also learn the steps to purchasing a home. From getting pre-qualified, shopping for a home, appraisals and finalizing your home purchase at the closing table.

Tap to download your Home Buyer Guide below!