Home Loans Arizona - California - Nevada - Utah

Looking for a home in Arizona? A USDA loan may be just the option for you. A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.

Qualifying for a USDA-backed mortgage guarantee
Income limits to qualify for a home loan guarantee vary by location and depend on household size. To find the loan guarantee income limit for the county where you live, consult this USDA map and table.



USDA guaranteed home loans can fund only owner-occupied primary residences. Other eligibility requirements include:

• U.S. citizenship (or permanent residency)
• A monthly payment — including principal, interest, insurance and taxes — that’s 29% or less of your monthly income. Other monthly debt payments you make cannot exceed 41% of your income. However, the USDA will consider higher debt ratios if you have a credit score above 680.
• Dependable income, typically for a minimum of 24 months
• An acceptable credit history, with no accounts converted to collections within the last 12 months, among other criteria. If you can prove that your credit was affected by circumstances that were temporary or outside of your control, including a medical emergency, you may still qualify.

USDA Home Loan Income Limits Arizona

• NO down payment – Finance 100% of your home
• NO maximum loan amount in Arizona.
• NO assets needed to qualify
• Flexible credit guidelines
• Competitive, fixed interest rates so payments do not increase
• USDA Loans are for new and existing properties
• Start your Arizona USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.

Ready for your USDA purchase home loan in Arizona? Call Nathan Rufty at (623) 850-1210