What is the maximum amount that I can borrow with a USDA Guaranteed Loan?

There is no set maximum amount for a USDA Rural Development Loan.  However, the total amount a person can borrow depends on a number of factors, including:

  • Value of Home
  • Monthly Income
  • Debt to Income Ratio

In most cases, the maximum amount available for a USDA Loan will be equal to 100% of the appraised value of the home. 

Because the eligibility requirements for a USDA Loan depend on a number of specific factors, including the county where the home is located, your current income and your credit history, it is important to work with a certified USDA Loan agent who understands your needs.  For the answers to your questions, contact the USDA Loan Agency today.