Available for Virginia properties.
USDA home loans
For buyers purchasing an eligible rural or suburban-edge home in Virginia who meet USDA income and occupancy rules.
USDA loans are a government-backed purchase program for eligible areas and eligible borrowers. They are not available on every property or income level.
How it works
A USDA rural housing loan is designed for owner-occupied homes in eligible locations. The property must map into a USDA-eligible area, and the borrower generally must occupy the home as a primary residence and meet income limits.
Rockhouse Mortgage checks property eligibility and borrower fit before treating USDA as the working path. If the house or income does not fit, we compare FHA, conventional, or VA instead.
What lenders look at
- Whether the property is in a USDA-eligible area
- Household income against USDA limits for the area
- Credit, occupancy, and the rest of the file
- Property type and condition
Eligible properties
- Owner-occupied homes in USDA-eligible Virginia locations
- Property types permitted by the program, typically single-family homes
Down payment assistance
Some down payment assistance programs can pair with USDA loans, depending on the program, location, income, and credit. First-time-buyer status is not always required.
Want help comparing programs?
Rockhouse Mortgage compares wholesale lender programs for the scenario in front of us. Start with a call or an online application.
Frequently asked questions
Is my city eligible?
Eligibility is based on the property address, not just the city name. We can check a specific address against USDA maps.
Do I have to be a first-time buyer?
USDA is not limited to first-time buyers. Income, occupancy, and property location are the main gates.
Can I use USDA on an investment property?
No. USDA rural housing loans are for owner-occupied homes.
Is this available outside Virginia?
Consumer mortgage lending, including USDA, is available in Virginia only through Rockhouse Mortgage.
Check a Virginia address for USDA
Send the property address and a snapshot of household income. We can tell you whether USDA is even on the table.
703-999-0903Loan programs, rates, fees, terms, and eligibility requirements are subject to change without notice. All loans are subject to credit, income, asset, property, and underwriting approval. This information is for educational purposes only and is not a commitment to lend.
Rockhouse Mortgage, LLC · NMLS #2469785 · Harry Hager, NMLS #647108 · Licensed by the Virginia Bureau of Financial Institutions · Outside Virginia, business-purpose investment property loans only · Equal Housing Opportunity