USDA Home Loans

Get a smart USDA home loan.

Rural housing means a lot more than farmhouses. In fact, the Legacy Group’s USDA Rural Housing program applies to any home in a designated rural area, which even includes many mid-size cities and towns. 

With no down payment, mortgage insurance or minimum credit score required, it’s one of the smartest financing options available for qualifying properties and buyers. Backed by the USDA, the program focuses on providing homeownership opportunities to low- and moderate-income Americans.

USDA home loan benefits:

• No down payment required
• Comparable rates to conventional loans
• 103.5% financing based on appraised value
• No private mortgage insurance
• No first-time home buyer requirement
• No maximum seller concessions
• 100% gifting permitted
• No minimum credit scores

Explore your a USDA home loan from Legacy or get pre-approved today.

For maximum income qualifications and eligible regions, visit the USDA property site at eligibility.sc.egov.usda.gov.