Dan Green
Homebuyer.com
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This website discusses mortgage programs and how to qualify. Your eligibility may vary based on lender guidelines and investor overlays. Check with your lender for specific details.
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This article was checked for accuracy as of December 12, 2024. Learn more about our commitments to accuracy and your mortgage education in our editorial guidelines.
Updated: December 12, 2024
A USDA mortgage is a 100% home loan available in rural and suburban parts of the country. USDA mortgages are known for low mortgage rates, discounted mortgage insurance, and no down payment minimums.
USDA mortgages are no-money-down home loans for buyers in rural USDA-eligible areas. USDA loans are backed by the United States Department of Agriculture (USDA), which created the program after World War II.
For eligible home buyers, USDA mortgages often offer the best combination of interest rate, monthly cost, and down payment.
82.0% of USDA home buyers meet the definition of first-time home buyer.
The program is modeled after two other successful housing programs: the FHA loan and the VA loan, which showed how government agencies can help reshape homeownership.
Like the FHA and VA loan programs, the USDA mortgage program:
The USDA mortgage is available in rural areas only and is sometimes called a Section 502 mortgage because the agency borrows its definition of rural from Section 502 of the Housing Act of 1949.
That law defines rural communities as having fewer than 2,500 residents and not linked to a major city; of being rural “in character” with less than 10,000 residents; or, with less than 20,000 residents not related to a metropolitan statistical area.
Then, in 2020, the Census Bureau added additional criteria to distinguish between rural and urban areas.
91 percent of the United States is within the USDA boundary, according to the USDA Eligibility Map.
Check your eligibility and begin your application now.
The USDA housing program includes two loan types: the Guaranteed Loan program for higher-income households and the Direct Loan program for lower-income households. There is a third program for home repairs.
The official name of the USDA Guaranteed Loan program is Section 502 Single Family Housing Guaranteed Loan Program. According to the agency, the Guaranteed Loan Program accounts for 90 percent of USDA loans made each year.
The USDA Guaranteed Loan program is the catch-all USDA mortgage. It allows for 100% financing without mortgage insurance and lets buyers come to closing with no money whatsoever.
Section 502 Guaranteed Loans are available through mortgage lenders, brokers, and retail banks. USDA loans require a minimum 620 credit score.
The Section 502 Single Family Housing Direct Loan Program is less common and more limiting than the Guaranteed Loan program, accounting for just four percent of USDA loans made in recent years.
USDA Direct Loans are issued directly by the USDA, not through lenders, brokers, or banks. The USDA reserves Direct Loans for low- and very-low-income households, which account for 25.6% of USDA home buyers. Loan terms extend to 38 years to minimize PITI monthly payments, and buyers must partake in credit education.
The USDA pegs Direct Loan interest rates. Since November 2024, USDA Direct Loan mortgage rates are 4.875 percent. By comparison, current mortgage rates for a 30-year conventional loan average 6.375%.
The USDA Section 504 Home Repair program makes loans up to $40,000 to help elderly, disabled, and low-income homeowners maintain the safety and livability of their homes. USDA Home Repair loans term for 20 years at a fixed interest rate of 1%. They’re for existing homeowners only.
| Loan Trait | USDA Guaranteed Loan | USDA Direct Loan |
| Where to Apply | Mortgage Companies | USDA RD Office |
| Financeable Fees | 1% Guarantee Fee Only | All Loan Fees |
| Target Customers | Up to Moderate-Income Households | Low- and Very-Low- Income Households |
| Loan Terms | 30 Years | 33 or 38 Years |
| Annual Fees | 0.35% of Loan Size | $0 |
| Max Loan Size | No Limit | Up to $776,600 |
| Minimum FICO | 620 | 620 or Lender Discretion |
| In-Ground Swimming Pools | Allowed | Not Allowed |
| Upfront Loan Fee | 1% of Loan Size | None |
To qualify for a USDA loan, home buyers must meet typical mortgage guidelines and special agency requirements, such as buying a home in the USDA Eligibility Map.
Eligible home buyers must also:
The USDA enforces maximum income limits by area, requires home buyers to complete a certified homeownership education course, and does not allow adjustable-rate mortgages.
USDA mortgage rates change daily with mortgage-backed securities and market conditions.
Yes, USDA mortgage rates are nearly always lower than conventional, FHA, and VA mortgage rates. For example, mortgage statistics show USDA mortgage rates average 24.9 basis points below conventional mortgage rates and 26.7 basis points below FHA mortgage rates.
No, the USDA mortgage program allows 100% financing on all homes in eligible areas. Home buyers aren’t required to make a down payment.
No, USDA mortgages don’t require mortgage insurance, but the USDA charges a one-time, 1% guarantee fee at closing and adds a recurring 0.35 percent fee to USDA mortgages per year. The setup is similar to the FHA mortgage with its upfront and annual mortgage insurance premiums.
Yes, the USDA Mortgage program lets home buyers add closing costs to their mortgage principal balance – even if the balance exceeds 100% of the home’s purchase price. The USDA also permits seller concessions to help buyers get a lower mortgage rate.
Yes, USDA mortgages include an assumption clause, meaning that a future buyer of your home can purchase the home and the mortgage simultaneously, retaining your interest rate and loan term. Assumable mortgages can raise a home’s resale value when interest rates rise because the payment isn’t subject to current mortgage rates.
Home buyers can use USDA mortgages to finance 1-unit homes that are standalone, manufactured, modular, or condominiums.
The minimum allowable home size for USDA home loans is 400 square feet for manufactured properties.
Home buyers with a Chapter 7 bankruptcy in their credit history can apply for a USDA mortgage after a 3-year waiting period from the discharge date. This new allowance is effective from 2024.
Home buyers with a Chapter 13 bankruptcy in their credit history can apply for a USDA mortgage after a 12-month waiting period after their debt restructuring plan is complete. This new allowance is effective from 2024.
The Rural Housing Development Home Loan program enforces a maximum loan size by county, called the USDA Loan Limits. Home buyers can mortgage as much of their homes as their household income and monthly debts support within these limits.
USDA loans are for primary residences only. Homes cannot be converted into short-term rental properties.
Closing costs for a USDA loan vary by mortgage company and state. Closing costs are generally between 0-2% of the loan size.
Home buyers can apply for a USDA Guaranteed Loan online with a mortgage lender, or in-person at a bank branch office. Direct Loans for very-low-income borrowers require a direct application with the USDA.
| Newly-Added USDA Mortgage Zones | Map |
| Brent, Bibb County, AL 35042 | Map |
| Centre, Cherokee County, AL 35960 | Map |
| Century, Escambia County, FL 36441 | Map |
| Columbiana, Shelby County, AL 35051 | Map |
| Evergreen, Conecuh County, AL 36401 | Map |
| Fayette, Fayette County, AL 35555 | Map |
| Geneva, Geneva County, AL 36340 | Map |
| Grand Bay, Mobile County, AL 36541 | Map |
| Haleyville, Winston County, AL 35565 | Map |
| Hamilton, Marion County, AL 35570 | Map |
| Hanceville, Cullman County, AL 35077 | Map |
| Hazel Green, Madison County, AL 35750 | Map |
| Headland, Henry County, AL 36345 | Map |
| Jackson, Clarke County, AL 36545 | Map |
| Lake View, Jefferson County, AL 35111 | Map |
| Moulton, Lawrence County, AL 35650 | Map |
| Moundville, Hale County, AL 35474 | Map |
| Piedmont, Calhoun County, AL 36272 | Map |
| Roanoke, Randolph County, AL 36274 | Map |
| Springville, St. Clair County, AL 35146 | Map |
| Sumiton, Jefferson County, AL 35148 | Map |
| Tallassee, Elmore County, AL 36078 | Map |
| Thomasville, Clarke County, AL 36784 | Map |
| Union Springs, Bullock County, AL 36089 | Map |
| Woodstock, Jefferson County, AL 35111 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Ajo, Pima County, AZ 85321 | Map |
| Avra Valley, Pima County, AZ 85653 | Map |
| Chinle, Apache County, AZ 86503 | Map |
| Clifton, Greenlee County, AZ 85533 | Map |
| Colorado City, Mohave County, AZ 86021 | Map |
| Eagar, Apache County, AZ 85925 | Map |
| Eloy, Pinal County, AZ 85131 | Map |
| Holbrook, Navajo County, AZ 86025 | Map |
| Kayenta, Navajo County, AZ 86033 | Map |
| Lake Montezuma, Yavapai County, AZ 86335 | Map |
| Picture Rocks, Pima County, AZ 85743 | Map |
| Rio Rico Northeast, Santa Cruz County, AZ 85648 | Map |
| San Carlos, Gila County, AZ 85550 | Map |
| San Manuel, Pinal County, AZ 85631 | Map |
| St. Johns, Apache County, AZ 85936 | Map |
| Superior, Pinal County, AZ 85173 | Map |
| Whiteriver, Gila County, AZ 85941 | Map |
| Willcox, Cochise County, AZ 85643 | Map |
| Williams, Coconino County, AZ 86046 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Ashdown, Little River County, AR 71822 | Map |
| Bald Knob, White County, AR 72010 | Map |
| Booneville, Logan County, AR 72927 | Map |
| Brinkley, Monroe County, AR 72021 | Map |
| Cherokee Village, Fulton County, AR 72529 | Map |
| Corning, Clay County, AR 72422 | Map |
| Dermott, Drew County, AR 71638 | Map |
| DeWitt, Arkansas County, AR 72042 | Map |
| England, Lonoke County, AR 72046 | Map |
| Fordyce, Dallas County, AR 71742 | Map |
| Green Forest, Carroll County, AR 72638 | Map |
| Greenbrier, Faulkner County, AR 72058 | Map |
| Hamburg, Ashley County, AR 71646 | Map |
| Lake Village, Chicot County, AR 71653 | Map |
| Lonoke, Lonoke County, AR 72086 | Map |
| Manila, Mississippi County, AR 72442 | Map |
| Marianna, Lee County, AR 72360 | Map |
| McGehee, Desha County, AR 71654 | Map |
| Nashville, Howard County, AR 71852 | Map |
| Ozark, Franklin County, AR 72949 | Map |
| Paris, Logan County, AR 72855 | Map |
| Piggott, Clay County, AR 72454 | Map |
| Prescott, Nevada County, AR 71857 | Map |
| Waldron, Scott County, AR 72958 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Alturas, Modoc County, CA 96101 | Map |
| Angels, Calaveras County, CA 95222 | Map |
| Arbuckle, Colusa County, CA 95912 | Map |
| Bonadelle Ranchos, Madera County, CA 93636 | Map |
| Burney, Shasta County, CA 96013 | Map |
| California City, Kern County, CA 93505 | Map |
| Calipatria, Imperial County, CA 92233 | Map |
| Colfax, Placer County, CA 95713 | Map |
| Cottonwood, Shasta County, CA 96022 | Map |
| East Quincy, Plumas County, CA 95971 | Map |
| Esparto, Yolo County, CA 95627 | Map |
| Frazier Park, Kern County, CA 93225 | Map |
| Guerneville, Sonoma County, CA 95446 | Map |
| Hidden Valley Lake, Lake County, CA 95467 | Map |
| Hilmar, Merced County, CA 95324 | Map |
| Kelseyville, Lake County, CA 95451 | Map |
| Lake Los Angeles, Los Angeles County, CA 93591 | Map |
| Lake Wildwood, Nevada County, CA 95946 | Map |
| Los Molinos, Tehama County, CA 96055 | Map |
| Mojave, Kern County, CA 93501 | Map |
| North Shore, Riverside County, CA 92254 | Map |
| Oakhurst, Madera County, CA 93644 | Map |
| Phelan, San Bernardino County, CA 92371 | Map |
| Planada, Merced County, CA 95365 | Map |
| Poplar, Tulare County, CA 93257 | Map |
| Portola, Plumas County, CA 96122 | Map |
| Rancho Murieta, Sacramento County, CA 95683 | Map |
| Richgrove, Tulare County, CA 93261 | Map |
| Rio Dell, Humboldt County, CA 95562 | Map |
| Riverdale, Fresno County, CA 93656 | Map |
| San Joaquin, Fresno County, CA 93660 | Map |
| Terra Bella, Tulare County, CA 93270 | Map |
| Tipton, Tulare County, CA 93272 | Map |
| Vandenberg AFB, Santa Barbara County, CA 93437 | Map |
| Wheatland, Yuba County, CA 95692 | Map |
| Yountville, Napa County, CA 94599 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Air Force Academy, El Paso County, CO 80840 | Map |
| Bayfield, La Plata County, CO 81122 | Map |
| Burlington, Kit Carson County, CO 80807 | Map |
| Cedaredge, Delta County, CO 81418 | Map |
| Florence, Fremont County, CO 81226 | Map |
| Las Animas, Bent County, CO 81054 | Map |
| Monte Vista, Rio Grande County, CO 81144 | Map |
| Rocky Ford, Otero County, CO 81067 | Map |
| Silt, Garfield County, CO 81652 | Map |
| Walsenburg, Huerfano County, CO 81089 | Map |
| Yuma, Yuma County, CO 80759 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Milton, Sussex County, DE 19968 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Alachua, Alachua County, FL 32615 | Map |
| Apalachicola, Franklin County, FL 32328 | Map |
| Blountstown, Calhoun County, FL 32424 | Map |
| Bonifay, Holmes County, FL 32425 | Map |
| Chattahoochee, Gadsden County, FL 32324 | Map |
| Chipley, Washington County, FL 32428 | Map |
| Crescent City, Putnam County, FL 32112 | Map |
| Crooked Lake Park, Polk County, FL 33827 | Map |
| Cross City, Dixie County, FL 32628 | Map |
| Fellsmere, Indian River County, FL 32948 | Map |
| Golden Gate Estates, Collier, FL 34117 | Map |
| Graceville, Jackson County, FL 32440 | Map |
| Havana, Gadsden County, FL 32333 | Map |
| High Springs, Alachua County, FL 32643 | Map |
| Interlachen, Putnam County, FL 32148 | Map |
| Jasper, Hamilton County, FL 32052 | Map |
| Lake Butler, Union County, FL 32054 | Map |
| Lake Panasoffkee, Sumter County, FL 33538 | Map |
| Madison, Madison County, FL 32340 | Map |
| Moore Haven, Glades County, FL 33471 | Map |
| Nassau Village, Nassau County, FL 32011 | Map |
| Ocala Estates, Marion County, FL 34482 | Map |
| Port St. Joe, Bay County, FL 32456 | Map |
| Ridge Manor, Pasco County, FL 33523 | Map |
| Trenton, Levy County, FL 32693 | Map |
| Wedgefield, Orange County, FL 32833 | Map |
| Williston, Levy County, FL 32696 | Map |
| Woodville, Wakulla County, FL 32327 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Alma, Bacon County, GA 31510 | Map |
| Blackshear, Pierce County, GA 31516 | Map |
| Claxton, Evans County, GA 30417 | Map |
| Clayton, Rabun County, GA 30525 | Map |
| Cleveland, White County, GA 30528 | Map |
| Darien, McIntosh County, GA 31305 | Map |
| Eatonton, Putnam County, GA 31024 | Map |
| Folkston, Charlton County, GA 31537 | Map |
| Glennville, Tattnall County, GA 30427 | Map |
| Grantville, Coweta County, GA 30220 | Map |
| Gray, Jones County, GA 31032 | Map |
| Greensboro, Greene County, GA 30642 | Map |
| Harlem, Columbia County, GA 30814 | Map |
| Hawkinsville, Pulaski County, GA 31036 | Map |
| Homerville, Clinch County, GA 31634 | Map |
| Lake Park, Lowndes County, GA 31636 | Map |
| Lakeland, Lanier County, GA 31635 | Map |
| Leesburg, Lee County, GA 31763 | Map |
| Louisville, Burke County, GA 30434 | Map |
| Lula, Banks County, GA 30554 | Map |
| Manchester, Meriwether County, GA 31816 | Map |
| McRae, Telfair County, GA 31055 | Map |
| Metter, Candler County, GA 30439 | Map |
| Millen, Jenkins County, GA 30442 | Map |
| Montezuma, Dooly County, GA 31063 | Map |
| Monticello, Jasper County, GA 31064 | Map |
| Nelson, Cherokee County, GA 30107 | Map |
| Ocilla, Irwin County, GA 31774 | Map |
| Pelham, Mitchell County, GA 31779 | Map |
| Quitman, Brooks County, GA 31643 | Map |
| Reidsville, Tattnall County, GA 30453 | Map |
| Royston, Franklin County, GA 30662 | Map |
| Social Circle, Newton County, GA 30025 | Map |
| Soperton, Treutlen County, GA 30457 | Map |
| Sparta, Hancock County, GA 31087 | Map |
| Springfield, Effingham County, GA 31329 | Map |
| Sylvania, Screven County, GA 30467 | Map |
| Trenton, Dade County, GA 30752 | Map |
| Unadilla, Dooly County, GA 31091 | Map |
| Vienna, Dooly County, GA 31092 | Map |
| Washington, Wilkes County, GA 30673 | Map |
| Wrightsville, Johnson County, GA 31096 | Map |
| Yorkville, Polk County, GA 30153 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Captain Cook, Hawaii County, HI 96704 | Map |
| Hawaiian Paradise Park, Hawaii County, HI 96778 | Map |
| Honokaa, Hawaii County, HI 96727 | Map |
| Kalaheo, Kauai County, HI 96741 | Map |
| Kapaau, Hawaii County, HI 96755 | Map |
| Kilauea, Kauai County, HI 96754 | Map |
| Lanai City, Maui County, HI 96763 | Map |
| Waimea (Hawaii County), Hawaii County, HI 96743 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| American Falls, Power County, ID 83211 | Map |
| Bonners Ferry, Boundary County, ID 83805 | Map |
| Buhl, Twin Falls County, ID 83316 | Map |
| Filer, Twin Falls County, ID 83328 | Map |
| Gooding, Gooding County, ID 83330 | Map |
| Grangeville, Idaho County, ID 83530 | Map |
| Homedale, Owyhee County, ID 83628 | Map |
| Kellogg, Shoshone County, ID 83837 | Map |
| Mountain Home AFB, Elmore County, ID 83648 | Map |
| Orofino, Clearwater County, ID 83544 | Map |
| Osburn, Shoshone County, ID 83873 | Map |
| Preston, Franklin County, ID 83263 | Map |
| Salmon, Lemhi County, ID 83467 | Map |
| Soda Springs, Caribou County, ID 83276 | Map |
| St. Anthony, Fremont County, ID 83445 | Map |
| St. Maries, Benewah County, ID 83861 | Map |
| Wendell, Gooding County, ID 83355 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Abingdon, Knox County, IL 61410 | Map |
| Aledo, Mercer County, IL 61231 | Map |
| Arcola, Douglas County, IL 61910 | Map |
| Auburn, Sangamon County, IL 62615 | Map |
| Beecher, Will County, IL 60401 | Map |
| Bushnell, McDonough County, IL 61422 | Map |
| Cairo, Alexander County, IL 62914 | Map |
| Carlyle, Bond County, IL 62231 | Map |
| Carthage, Hancock County, IL 62321 | Map |
| Casey, Clark County, IL 62420 | Map |
| Christopher, Franklin County, IL 62822 | Map |
| Davis Junction, Winnebago County, IL 61020 | Map |
| Downs, McLean County, IL 61705 | Map |
| Dwight, Grundy County, IL 60420 | Map |
| El Paso, Woodford County, IL 61738 | Map |
| Eldorado, Saline County, IL 62930 | Map |
| Elmwood, Peoria County, IL 61529 | Map |
| Fairbury, Livingston County, IL 61739 | Map |
| Galena, Jo Daviess County, IL 61036 | Map |
| Gibson City, Ford County, IL 60936 | Map |
| Gilman, Iroquois County, IL 60938 | Map |
| Havana, Mason County, IL 62644 | Map |
| Heyworth, McLean County, IL 61745 | Map |
| Holiday Shores, Madison County, IL 62025 | Map |
| Le Roy, McLean County, IL 61752 | Map |
| Lena, Stephenson County, IL 61048 | Map |
| Mackinaw, Tazewell County, IL 61755 | Map |
| Marshall, Clark County, IL 62441 | Map |
| McLeansboro, Hamilton County, IL 62859 | Map |
| Metamora, Woodford County, IL 61548 | Map |
| Millstadt, St. Clair County, IL 62260 | Map |
| Momence, Kankakee County, IL 60954 | Map |
| Morrison, Whiteside County, IL 61270 | Map |
| Mount Morris, Ogle County, IL 61054 | Map |
| Mount Sterling, Brown County, IL 62353 | Map |
| Nashville, Washington County, IL 62263 | Map |
| New Baden, Clinton County, IL 62265 | Map |
| Newton, Jasper County, IL 62448 | Map |
| Nokomis, Montgomery County, IL 62075 | Map |
| Oregon, Ogle County, IL 61061 | Map |
| Pawnee, Sangamon County, IL 62558 | Map |
| Peotone, Will County, IL 60468 | Map |
| Petersburg, Menard County, IL 62675 | Map |
| Pinckneyville, Perry County, IL 62274 | Map |
| Pittsfield, Pike County, IL 62363 | Map |
| Red Bud, Monroe County, IL 62278 | Map |
| Rushville, Schuyler County, IL 62681 | Map |
| Savanna, Carroll County, IL 61074 | Map |
| Smithton, St. Clair County, IL 62285 | Map |
| Sparta, Randolph County, IL 62286 | Map |
| St. Joseph, Champaign County, IL 61873 | Map |
| Steeleville, Randolph County, IL 62272 | Map |
| Trenton, Clinton County, IL 62293 | Map |
| Virden, Macoupin County, IL 62690 | Map |
| White Hall, Greene County, IL 62092 | Map |
| Wonder Lake, McHenry County, IL 60097 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Attica, Fountain County, IN 47918 | Map |
| Berne, Adams County, IN 46740 | Map |
| Bicknell, Knox County, IN 47512 | Map |
| Bloomfield, Greene County, IN 47424 | Map |
| Bremen, Marshall County, IN 46506 | Map |
| Brownstown, Jackson County, IN 47220 | Map |
| Butler, DeKalb County, IN 46721 | Map |
| Cambridge City, Wayne County, IN 47327 | Map |
| Covington, Fountain County, IN 47932 | Map |
| De Motte, Jasper County, IN 46310 | Map |
| Delphi, Carroll County, IN 46923 | Map |
| Dunkirk, Jay County, IN 47373 | Map |
| Fairmount, Grant County, IN 46928 | Map |
| Fort Branch, Gibson County, IN 47648 | Map |
| Greentown, Howard County, IN 46936 | Map |
| Hebron, Porter County, IN 46341 | Map |
| Heritage Lake, Hendricks County, IN 46121 | Map |
| Knightstown, Henry County, IN 46148 | Map |
| Knox, Starke County, IN 46534 | Map |
| Lagrange, LaGrange County, IN 46761 | Map |
| Ligonier, Noble County, IN 46767 | Map |
| Loogootee, Daviess County, IN 47553 | Map |
| Middlebury, Elkhart County, IN 46540 | Map |
| Middletown, Henry County, IN 47356 | Map |
| Mitchell, Lawrence County, IN 47446 | Map |
| New Carlisle, LaPorte County, IN 46552 | Map |
| Oakland City, Gibson County, IN 47660 | Map |
| Ossian, Wells County, IN 46777 | Map |
| Paoli, Orange County, IN 47454 | Map |
| Rockville, Parke County, IN 47872 | Map |
| Sheridan, Hamilton County, IN 46069 | Map |
| Upland, Grant County, IN 46989 | Map |
| Walkerton, St. Joseph County, IN 46574 | Map |
| Winamac, Pulaski County, IN 46996 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Albia, Monroe County, IA 52531 | Map |
| Bellevue, Jackson County, IA 52031 | Map |
| Carlisle, Polk County, IA 50047 | Map |
| Chariton, Lucas County, IA 50049 | Map |
| Clarion, Wright County, IA 50525 | Map |
| Cresco, Howard County, IA 52136 | Map |
| Dyersville, Delaware County, IA 52040 | Map |
| Eagle Grove, Wright County, IA 50533 | Map |
| Emmetsburg, Palo Alto County, IA 50536 | Map |
| Forest City, Hancock County, IA 50436 | Map |
| Garner, Hancock County, IA 50438 | Map |
| Hampton, Franklin County, IA 50441 | Map |
| Huxley, Story County, IA 50124 | Map |
| Jefferson, Greene County, IA 50129 | Map |
| Missouri Valley, Harrison County, IA 51555 | Map |
| Monticello, Jones County, IA 52310 | Map |
| New Hampton, Chickasaw County, IA 50659 | Map |
| Onawa, Monona County, IA 51040 | Map |
| Osage, Mitchell County, IA 50461 | Map |
| Rock Valley, Sioux County, IA 51247 | Map |
| Sibley, Osceola County, IA 51249 | Map |
| Story City, Story County, IA 50248 | Map |
| Tipton, Cedar County, IA 52772 | Map |
| Waukon, Allamakee County, IA 52172 | Map |
| West Liberty, Muscatine County, IA 52776 | Map |
| Williamsburg, Iowa County, IA 52361 | Map |
| Wilton, Cedar County, IA 52778 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Baldwin City, Douglas County, KS 66006 | Map |
| Baxter Springs, Cherokee County, KS 66713 | Map |
| Beloit, Cloud County, KS 67420 | Map |
| Burlington, Coffey County, KS 66839 | Map |
| Columbus, Cherokee County, KS 66725 | Map |
| De Soto, Johnson County, KS 66018 | Map |
| Ellsworth, Ellsworth County, KS 67439 | Map |
| Eureka, Greenwood County, KS 67045 | Map |
| Galena, Cherokee County, KS 66739 | Map |
| Garnett, Anderson County, KS 66032 | Map |
| Girard, Crawford County, KS 66743 | Map |
| Hesston, Harvey County, KS 67062 | Map |
| Hiawatha, Brown County, KS 66434 | Map |
| Hillsboro, Marion County, KS 67063 | Map |
| Hoisington, Barton County, KS 67544 | Map |
| Holton, Jackson County, KS 66436 | Map |
| Hugoton, Stevens County, KS 67951 | Map |
| Kingman, Kingman County, KS 67068 | Map |
| Lindsborg, Saline County, KS 67456 | Map |
| Louisburg, Miami County, KS 66053 | Map |
| Lyons, Rice County, KS 67554 | Map |
| Marysville, Marshall County, KS 66508 | Map |
| Neodesha, Wilson County, KS 66757 | Map |
| Norton, Norton County, KS 67654 | Map |
| Osage City, Osage County, KS 66523 | Map |
| Osawatomie, Miami County, KS 66064 | Map |
| Phillipsburg, Phillips County, KS 67661 | Map |
| Rose Hill, Butler County, KS 67133 | Map |
| Sabetha, Nemaha County, KS 66534 | Map |
| Scott City, Scott County, KS 67871 | Map |
| St. Marys, Pottawatomie County, KS 66536 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Cadiz, Trigg County, KY 42211 | Map |
| Crittenden, Boone County, KY 41030 | Map |
| Cumberland, Harlan County, KY 40823 | Map |
| Evarts, Harlan County, KY 40828 | Map |
| Flemingsburg, Fleming County, KY 41041 | Map |
| Hodgenville, Larue County, KY 42748 | Map |
| Jackson, Breathitt County, KY 41339 | Map |
| Lancaster, Garrard County, KY 40444 | Map |
| Manchester, Clay County, KY 40962 | Map |
| Marion, Crittenden County, KY 42064 | Map |
| Morganfield, Union County, KY 42437 | Map |
| Mount Vernon, Rockcastle County, KY 40456 | Map |
| Stanford, Lincoln County, KY 40484 | Map |
| Stanton, Powell County, KY 40380 | Map |
| Williamson, Pike County, WV 41503 | Map |
| Williamstown, Grant County, KY 41035 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Amite City, Tangipahoa Parish, LA 70422 | Map |
| Arcadia, Bienville Parish, LA 71001 | Map |
| Bunkie, Avoyelles Parish, LA 71322 | Map |
| Buras, Plaquemines Parish, LA 70041 | Map |
| Church Point, Acadia Parish, LA 70525 | Map |
| Cottonport, Avoyelles Parish, LA 71327 | Map |
| Delhi, Richland Parish, LA 71232 | Map |
| DeQuincy, Calcasieu Parish, LA 70633 | Map |
| Farmerville, Union Parish, LA 71241 | Map |
| Franklinton, Washington Parish, LA 70438 | Map |
| Homer, Claiborne Parish, LA 71040 | Map |
| Iowa, Calcasieu Parish, LA 70647 | Map |
| Jean Lafitte, Jefferson Parish, LA 70067 | Map |
| Jena, La Salle Parish, LA 71342 | Map |
| Lake Arthur, Jefferson Davis Parish, LA 70549 | Map |
| Lake Providence, East Carroll Parish, LA 71254 | Map |
| Livonia, Pointe Coupee Parish, LA 70755 | Map |
| Mamou, Evangeline Parish, LA 70554 | Map |
| Many, Sabine Parish, LA 71449 | Map |
| Pierre Part, St. Martin Parish, LA 70339 | Map |
| Port Barre, St. Landry Parish, LA 70577 | Map |
| Rayville, Richland Parish, LA 71269 | Map |
| South Vacherie, St. John the Baptist Parish, LA 70090 | Map |
| Sunset, St. Landry Parish, LA 70584 | Map |
| Vinton, Calcasieu Parish, LA 70668 | Map |
| Vivian, Caddo Parish, LA 71082 | Map |
| Welsh, Jefferson Davis Parish, LA 70591 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Bar Harbor, Hancock County, ME 04609 | Map |
| Calais, Washington County, ME 04619 | Map |
| Caribou, Aroostook County, ME 04736 | Map |
| Ellsworth, Hancock County, ME 04605 | Map |
| Farmington, Franklin County, ME 04938 | Map |
| Livermore Falls, Franklin County, ME 04239 | Map |
| Pittsfield, Somerset County, ME 04967 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Centreville, Queen Anne’s County, MD 21617 | Map |
| Country Lakes, St. Mary’s County, MD 20659 | Map |
| Federalsburg, Caroline County, MD 21632 | Map |
| Glenwood, Howard, MD 21738 | Map |
| Golden Beach, St. Mary’s County, MD 20659 | Map |
| Long Beach, Calvert County, MD 20685 | Map |
| Pocomoke City, Somerset County, MD 21851 | Map |
| Prince Frederick, Calvert County, MD 20678 | Map |
| Shady Side, Anne Arundel County, MD 20778 | Map |
| Shepherdstown, Washington County, WV 21782 | Map |
| Westernport, Allegany County, MD 21521 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Great Barrington, Berkshire County, MA 01230 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Almont, Lapeer County, MI 48003 | Map |
| Bad Axe, Huron County, MI 48413 | Map |
| Blissfield, Lenawee County, MI 49228 | Map |
| Brooklyn, Jackson County, MI 49230 | Map |
| Cedar Springs, Kent County, MI 49319 | Map |
| Clare, Clare County, MI 48622 | Map |
| Constantine, St. Joseph County, MI 49042 | Map |
| Coopersville, Ottawa County, MI 49404 | Map |
| Dorr, Allegan, MI 49323 | Map |
| Fowlerville, Livingston County, MI 48836 | Map |
| Gladwin, Gladwin County, MI 48624 | Map |
| Goodrich, Genesee County, MI 48438 | Map |
| Grayling, Crawford County, MI 49738 | Map |
| Gun Lake, Allegan County, MI 49348 | Map |
| Hart, Oceana County, MI 49420 | Map |
| Imlay City, Lapeer County, MI 48444 | Map |
| Iron River, Iron County, MI 49935 | Map |
| Kalkaska, Kalkaska County, MI 49646 | Map |
| Manistique, Schoolcraft County, MI 49854 | Map |
| Middleville, Barry County, MI 49333 | Map |
| Munising, Alger County, MI 49862 | Map |
| Newaygo, Newaygo County, MI 49337 | Map |
| Newberry, Luce County, MI 49868 | Map |
| Perry, Shiawassee County, MI 48872 | Map |
| Rogers City, Presque Isle County, MI 49779 | Map |
| Sandusky, Sanilac County, MI 48471 | Map |
| Somerset, Hillsdale, MI 49249 | Map |
| Vassar, Tuscola County, MI 48768 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Albany, Stearns County, MN 56307 | Map |
| Annandale, Wright County, MN 55302 | Map |
| Becker, Sherburne County, MN 55308 | Map |
| Benson, Swift County, MN 56215 | Map |
| Blue Earth, Faribault County, MN 56013 | Map |
| Caledonia, Houston County, MN 55921 | Map |
| Cannon Falls, Goodhue County, MN 55009 | Map |
| Chatfield, Fillmore County, MN 55923 | Map |
| Cokato, Wright County, MN 55321 | Map |
| Crosby, Crow Wing County, MN 56444 | Map |
| Dodge Center, Dodge County, MN 55927 | Map |
| Elko New Market, Scott County, MN 55020 | Map |
| Ely, St. Louis County, MN 55731 | Map |
| Granite Falls, Yellow Medicine County, MN 56241 | Map |
| Jackson, Jackson County, MN 56143 | Map |
| Lake Crystal, Blue Earth County, MN 56055 | Map |
| Le Sueur, Le Sueur County, MN 56058 | Map |
| Long Prairie, Todd County, MN 56347 | Map |
| Lonsdale, Rice County, MN 55046 | Map |
| Melrose, Stearns County, MN 56352 | Map |
| Milaca, Mille Lacs County, MN 56353 | Map |
| Montgomery, Le Sueur County, MN 56069 | Map |
| Moose Lake, Carlton County, MN 55767 | Map |
| Mora, Kanabec County, MN 55051 | Map |
| Norwood Young America, Carver County, MN 55397 | Map |
| Park Rapids, Hubbard County, MN 56470 | Map |
| Perham, Otter Tail County, MN 56573 | Map |
| Pine City, Pine County, MN 55063 | Map |
| Pine Island, Olmsted County, MN 55963 | Map |
| Pipestone, Pipestone County, MN 56164 | Map |
| Plainview, Wabasha County, MN 55964 | Map |
| Rockford, Hennepin County, MN 55373 | Map |
| Roseau, Roseau County, MN 56751 | Map |
| Rush City, Chisago County, MN 55069 | Map |
| Sleepy Eye, Brown County, MN 56085 | Map |
| St. Charles, Olmsted County, MN 55972 | Map |
| St. James, Watonwan County, MN 56081 | Map |
| Staples, Todd County, MN 56479 | Map |
| Two Harbors, Lake County, MN 55616 | Map |
| Watertown, Carver County, MN 55388 | Map |
| Windom, Jackson County, MN 56101 | Map |
| Zumbrota, Goodhue County, MN 55992 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Aberdeen, Monroe County, MS 39730 | Map |
| Belzoni, Humphreys County, MS 39038 | Map |
| Blakely, Early County, GA 39823 | Map |
| Carthage, Leake County, MS 39051 | Map |
| Charleston, Tallahatchie County, MS 38921 | Map |
| Columbus AFB, Lowndes County, MS 39705 | Map |
| Cuthbert, Randolph County, GA 39840 | Map |
| Dawson, Terrell County, GA 39842 | Map |
| Donalsonville, Seminole County, GA 39845 | Map |
| Durant, Holmes County, MS 39063 | Map |
| Forest, Scott County, MS 39074 | Map |
| Fulton, Itawamba County, MS 38843 | Map |
| Hazlehurst, Copiah County, MS 39083 | Map |
| Hollandale, Washington County, MS 38748 | Map |
| Houston, Chickasaw County, MS 38851 | Map |
| Itta Bena, Leflore County, MS 38941 | Map |
| Leland, Washington County, MS 38756 | Map |
| Louisville, Winston County, MS 39339 | Map |
| Lucedale, George County, MS 39452 | Map |
| Macon, Noxubee County, MS 39341 | Map |
| Magee, Simpson County, MS 39111 | Map |
| Marks, Panola County, MS 38643 | Map |
| Moorhead, Sunflower County, MS 38761 | Map |
| Morton, Scott County, MS 39117 | Map |
| Newton, Newton County, MS 39345 | Map |
| Pontotoc, Pontotoc County, MS 38863 | Map |
| Raymond, Hinds County, MS 39154 | Map |
| Ripley, Tippah County, MS 38663 | Map |
| Ruleville, Sunflower County, MS 38771 | Map |
| Saltillo, Lee County, MS 38866 | Map |
| Tunica, Tunica County, MS 38676 | Map |
| Water Valley, Yalobusha County, MS 38965 | Map |
| Waynesboro, Wayne County, MS 39367 | Map |
| Wiggins, Stone County, MS 39577 | Map |
| Winona, Montgomery County, MS 38967 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Ashland, Boone County, MO 65010 | Map |
| Ava, Douglas County, MO 65608 | Map |
| Bethany, Harrison County, MO 64424 | Map |
| Bowling Green, Pike County, MO 63334 | Map |
| Buckner, Jackson County, MO 64016 | Map |
| Buffalo, Dallas County, MO 65622 | Map |
| Butler, Bates County, MO 64730 | Map |
| California, Moniteau County, MO 65018 | Map |
| Carrollton, Carroll County, MO 64633 | Map |
| Cassville, Barry County, MO 65625 | Map |
| Centralia, Audrain County, MO 65240 | Map |
| Chaffee, Scott County, MO 63740 | Map |
| Charleston, Scott County, MO 63834 | Map |
| Cuba, Crawford County, MO 65453 | Map |
| East Prairie, Mississippi County, MO 63845 | Map |
| El Dorado Springs, Cedar County, MO 64744 | Map |
| Fayette, Howard County, MO 65248 | Map |
| Hayti, Pemiscot County, MO 63851 | Map |
| Hillsboro, Jefferson County, MO 63050 | Map |
| Ironton, Iron County, MO 63621 | Map |
| Lamar, Barton County, MO 64759 | Map |
| Lexington, Lafayette County, MO 64067 | Map |
| Louisiana, Pike County, MO 63353 | Map |
| Malden, Dunklin County, MO 63863 | Map |
| Montgomery City, Montgomery County, MO 63361 | Map |
| Mount Vernon, Lawrence County, MO 65712 | Map |
| New Madrid, New Madrid County, MO 63869 | Map |
| Owensville, Gasconade County, MO 65066 | Map |
| Palmyra, Marion County, MO 63461 | Map |
| Portageville, New Madrid County, MO 63873 | Map |
| Potosi, Washington County, MO 63664 | Map |
| Rogersville, Christian County, MO 65742 | Map |
| St. James, Phelps County, MO 65559 | Map |
| Thayer, Oregon County, MO 65791 | Map |
| Tipton, Moniteau County, MO 65081 | Map |
| Vandalia, Audrain County, MO 63382 | Map |
| Warsaw, Benton County, MO 65355 | Map |
| Windsor, Henry County, MO 65360 | Map |
| Wright City, St. Charles County, MO 63390 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Browning, Glacier County, MT 59417 | Map |
| Conrad, Pondera County, MT 59425 | Map |
| Cut Bank, Glacier County, MT 59427 | Map |
| Deer Lodge, Deer Lodge County, MT 59722 | Map |
| Four Corners, Gallatin County, MT 59718 | Map |
| Glasgow, Valley County, MT 59230 | Map |
| Hardin, Big Horn County, MT 59034 | Map |
| Lolo, Missoula County, MT 59847 | Map |
| Poplar, Roosevelt County, MT 59255 | Map |
| Shelby, Toole County, MT 59474 | Map |
| Wolf Point, Roosevelt County, MT 59201 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Ashland, Saunders County, NE 68003 | Map |
| Auburn, Nemaha County, NE 68305 | Map |
| Aurora, Hamilton County, NE 68818 | Map |
| Broken Bow, Custer County, NE 68822 | Map |
| Central City, Merrick County, NE 68826 | Map |
| Cozad, Dawson County, NE 69130 | Map |
| David City, Butler County, NE 68632 | Map |
| Gothenburg, Dawson County, NE 69138 | Map |
| Minden, Kearney County, NE 68959 | Map |
| O’Neill, Holt County, NE 68763 | Map |
| Valentine, Cherry County, NE 69201 | Map |
| Waverly, Lancaster County, NE 68462 | Map |
| West Point, Cuming County, NE 68788 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Battle Mountain, Lander County, NV 89820 | Map |
| Hawthorne, Mineral County, NV 89415 | Map |
| Moapa Valley, Clark County, NV 89021 | Map |
| Spring Creek North, Elko County, NV 89815 | Map |
| Spring Creek South, Elko County, NV 89815 | Map |
| Washoe Valley, Washoe County, NV 89704 | Map |
| Yerington, Lyon County, NV 89447 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Charlestown, Sullivan County, NH 03603 | Map |
| Epping, Rockingham County, NH 03042 | Map |
| Farmington, Strafford County, NH 03835 | Map |
| Hillsborough, Hillsborough County, NH 03244 | Map |
| Jaffrey, Cheshire County, NH 03452 | Map |
| Littleton, Grafton County, NH 03561 | Map |
| Newport, Sullivan County, NH 03773 | Map |
| Peterborough, Hillsborough County, NH 03458 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Chaparral, Doña Ana County, NM 88081 | Map |
| Edgewood, Bernalillo County, NM 87015 | Map |
| Eldorado at Santa Fe, Santa Fe County, NM 87508 | Map |
| Eunice, Lea County, NM 88231 | Map |
| Holloman AFB, Otero County, NM 88330 | Map |
| Pojoaque, Santa Fe County, NM 87506 | Map |
| Santa Rosa, Guadalupe County, NM 88435 | Map |
| Santo Domingo Pueblo, Sandoval County, NM 87052 | Map |
| Tularosa, Otero County, NM 88352 | Map |
| Vado, Doña Ana County, NM 88072 | Map |
| Zuni Pueblo, McKinley County, NM 87327 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Adams, Jefferson County, NY 13605 | Map |
| Akron, Erie County, NY 14001 | Map |
| Alfred, Allegany County, NY 14802 | Map |
| Arcade, Cattaraugus County, NY 14009 | Map |
| Attica, Genesee County, NY 14011 | Map |
| Avon, Livingston County, NY 14414 | Map |
| Bedford, Westchester County, NY 10506 | Map |
| Cazenovia, Madison County, NY 13035 | Map |
| Churchville, Monroe County, NY 14428 | Map |
| Cold Spring, Putnam County, NY 10516 | Map |
| Delhi, Delaware County, NY 13753 | Map |
| Dryden, Tompkins County, NY 13053 | Map |
| Gouverneur, St. Lawrence County, NY 13642 | Map |
| Granville, Washington County, NY 12832 | Map |
| Greenwich, Washington County, NY 12834 | Map |
| Hamilton, Madison County, NY 13346 | Map |
| Honeoye Falls, Monroe County, NY 14472 | Map |
| Hoosick Falls, Rensselaer County, NY 12090 | Map |
| Lowville, Lewis County, NY 13367 | Map |
| Mount Morris, Livingston County, NY 14510 | Map |
| Newfane, Niagara County, NY 14108 | Map |
| Otisville, Orange County, NY 10963 | Map |
| Red Hook, Dutchess County, NY 12571 | Map |
| Rhinebeck, Dutchess County, NY 12572 | Map |
| Skaneateles, Onondaga County, NY 13152 | Map |
| Sodus, Wayne County, NY 14551 | Map |
| Springville, Erie County, NY 14141 | Map |
| Ticonderoga, Essex County, NY 12883 | Map |
| Valatie, Columbia County, NY 12184 | Map |
| Walton, Delaware County, NY 13856 | Map |
| Walworth, Wayne, NY 14568 | Map |
| Warrensburg, Warren County, NY 12885 | Map |
| Warsaw, Wyoming County, NY 14569 | Map |
| Watchtower, Ulster County, NY 12566 | Map |
| Watkins Glen, Schuyler County, NY 14891 | Map |
| Weedsport, Cayuga County, NY 13166 | Map |
| Westfield, Chautauqua County, NY 14787 | Map |
| Wurtsboro, Sullivan County, NY 12721 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Benson, Harnett County, NC 27504 | Map |
| Biscoe, Montgomery County, NC 27209 | Map |
| Boiling Spring Lakes, Brunswick County, NC 28461 | Map |
| Boiling Springs, Cleveland County, NC 28152 | Map |
| Burgaw, Pender County, NC 28425 | Map |
| Elizabethtown, Bladen County, NC 28337 | Map |
| Elkin, Surry County, NC 28621 | Map |
| Enfield, Halifax County, NC 27823 | Map |
| Fairfield Harbour, Craven County, NC 28560 | Map |
| Fairmont, Robeson County, NC 28340 | Map |
| Grifton, Lenoir County, NC 28530 | Map |
| Jefferson, Ashe County, NC 28694 | Map |
| La Grange, Lenoir County, NC 28551 | Map |
| Lake Norman of Catawba, Catawba County, NC 28037 | Map |
| Locust, Stanly County, NC 28097 | Map |
| Louisburg, Franklin County, NC 27549 | Map |
| Mount Olive, Duplin County, NC 28365 | Map |
| Murfreesboro, Hertford County, NC 27855 | Map |
| Pittsboro, Chatham County, NC 27312 | Map |
| Plymouth, Washington County, NC 27962 | Map |
| Ramseur, Randolph County, NC 27316 | Map |
| Red Springs, Robeson County, NC 28377 | Map |
| Seven Lakes, Moore County, NC 27376 | Map |
| Sneads Ferry, Onslow County, NC 28460 | Map |
| Spruce Pine, Mitchell County, NC 28777 | Map |
| St. Pauls, Robeson County, NC 28384 | Map |
| Tabor City, Columbus County, NC 28463 | Map |
| Taylorsville, Alexander County, NC 28681 | Map |
| Troy, Montgomery County, NC 27371 | Map |
| Wallace, Duplin County, NC 28466 | Map |
| Warsaw, Duplin County, NC 28398 | Map |
| Windsor, Bertie County, NC 27983 | Map |
| Yadkinville, Yadkin County, NC 27055 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Apple Valley, Knox County, OH 43028 | Map |
| Archbold, Fulton County, OH 43502 | Map |
| Baltimore, Fairfield County, OH 43105 | Map |
| Barnesville, Belmont County, OH 43713 | Map |
| Bethel, Clermont County, OH 45106 | Map |
| Blanchester, Clinton County, OH 45107 | Map |
| Bluffton, Allen County, OH 45817 | Map |
| Bolivar, Tuscarawas County, OH 44612 | Map |
| Cadiz, Harrison County, OH 43907 | Map |
| Caldwell, Noble County, OH 43724 | Map |
| Carey, Wyandot County, OH 43316 | Map |
| Carrollton, Carroll County, OH 44615 | Map |
| Cedarville, Clark County, OH 45314 | Map |
| Coldwater, Mercer County, OH 45828 | Map |
| Covington, Miami County, OH 45318 | Map |
| Crooksville, Perry County, OH 43731 | Map |
| Dalton, Wayne County, OH 44618 | Map |
| Darbydale, Franklin County, OH 43126 | Map |
| Delta, Fulton County, OH 43515 | Map |
| Garrettsville, Portage County, OH 44231 | Map |
| Genoa, Ottawa County, OH 43430 | Map |
| Georgetown, Brown County, OH 45121 | Map |
| Glouster, Athens County, OH 45732 | Map |
| Hicksville, Defiance County, OH 43526 | Map |
| Jamestown, Greene County, OH 45335 | Map |
| Jefferson, Ashtabula County, OH 44047 | Map |
| LaGrange, Lorain County, OH 44050 | Map |
| Lake Lakengren, Preble County, OH 45320 | Map |
| Lisbon, Columbiana County, OH 44432 | Map |
| Lodi, Medina County, OH 44254 | Map |
| Lucasville, Scioto County, OH 45648 | Map |
| Malvern, Carroll County, OH 44644 | Map |
| McConnelsville, Morgan County, OH 43756 | Map |
| Middlefield, Geauga County, OH 44062 | Map |
| Millersburg, Holmes County, OH 44654 | Map |
| Minerva, Carroll County, OH 44657 | Map |
| Montpelier, Williams County, OH 43543 | Map |
| Mount Gilead, Morrow County, OH 43338 | Map |
| Mount Orab, Brown County, OH 45154 | Map |
| New Concord, Muskingum County, OH 43762 | Map |
| New Lebanon, Montgomery County, OH 45345 | Map |
| New Richmond, Clermont County, OH 45157 | Map |
| Newcomerstown, Tuscarawas County, OH 43832 | Map |
| North Baltimore, Wood County, OH 45872 | Map |
| Oak Harbor, Ottawa County, OH 43449 | Map |
| Paulding, Paulding County, OH 45879 | Map |
| Plain City, Delaware County, OH 43064 | Map |
| Sabina, Clinton County, OH 45169 | Map |
| Seville, Medina County, OH 44273 | Map |
| Versailles, Darke County, OH 45380 | Map |
| West Lafayette, Coshocton County, OH 43845 | Map |
| West Union, Adams County, OH 45693 | Map |
| Yellow Springs, Clark County, OH 45387 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Blanchard, Grady County, OK 73010 | Map |
| Bristow, Creek County, OK 74010 | Map |
| Broken Bow, McCurtain County, OK 74728 | Map |
| Cache, Comanche County, OK 73527 | Map |
| Chandler, Lincoln County, OK 74834 | Map |
| Checotah, McIntosh County, OK 74426 | Map |
| Cleveland, Pawnee County, OK 74020 | Map |
| Davis, Murray County, OK 73030 | Map |
| Frederick, Tillman County, OK 73542 | Map |
| Harrah, Oklahoma County, OK 73045 | Map |
| Hartshorne, Pittsburg County, OK 74547 | Map |
| Heavener, Le Flore County, OK 74937 | Map |
| Hobart, Kiowa County, OK 73651 | Map |
| Hominy, Osage County, OK 74035 | Map |
| Kingfisher, Kingfisher County, OK 73750 | Map |
| Lindsay, Garvin County, OK 73052 | Map |
| Madill, Marshall County, OK 73446 | Map |
| Mangum, Greer County, OK 73554 | Map |
| Mannford, Pawnee County, OK 74044 | Map |
| Marlow, Stephens County, OK 73055 | Map |
| Muldrow, Sequoyah County, OK 74954 | Map |
| New Cordell, Washita County, OK 73632 | Map |
| Nowata, Nowata County, OK 74048 | Map |
| Okemah, Okfuskee County, OK 74859 | Map |
| Pawhuska, Osage County, OK 74056 | Map |
| Sayre, Beckham County, OK 73662 | Map |
| Stigler, Haskell County, OK 74462 | Map |
| Stilwell, Adair County, OK 74960 | Map |
| Tonkawa, Kay County, OK 74653 | Map |
| Tuttle, Grady County, OK 73089 | Map |
| Walters, Cotton County, OK 73572 | Map |
| Watonga, Blaine County, OK 73772 | Map |
| Wewoka, Seminole County, OK 74884 | Map |
| Wilburton, Latimer County, OK 74578 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Boardman, Morrow County, OR 97818 | Map |
| Carlton, Yamhill County, OR 97111 | Map |
| Gold Beach, Curry County, OR 97444 | Map |
| Harrisburg, Linn County, OR 97446 | Map |
| Irrigon, Morrow County, OR 97844 | Map |
| La Pine Northwest, Deschutes County, OR 97739 | Map |
| Lakeview, Lake County, OR 97630 | Map |
| Mount Angel, Marion County, OR 97362 | Map |
| Nyssa, Malheur County, OR 97913 | Map |
| Oakridge, Lane County, OR 97463 | Map |
| Shady Cove, Jackson County, OR 97539 | Map |
| Toledo, Lincoln County, OR 97391 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Albion, Erie County, PA 16401 | Map |
| Brockway, Jefferson County, PA 15824 | Map |
| Burgettstown, Washington County, PA 15021 | Map |
| Cambridge Springs, Crawford County, PA 16403 | Map |
| Curwensville, Clearfield County, PA 16833 | Map |
| East Prospect, York County, PA 17368 | Map |
| Elverson, Chester County, PA 19520 | Map |
| Emmitsburg, Adams County, MD 17320 | Map |
| Emporium, Cameron County, PA 15834 | Map |
| Everett, Bedford County, PA 15537 | Map |
| Fairdale, Greene County, PA 15320 | Map |
| Houtzdale, Clearfield County, PA 16651 | Map |
| Kane, McKean County, PA 16735 | Map |
| Lake Meade, Adams County, PA 17316 | Map |
| Ligonier, Westmoreland County, PA 15658 | Map |
| Lykens, Dauphin County, PA 17097 | Map |
| Mansfield, Tioga County, PA 16933 | Map |
| Martinsburg, Blair County, PA 16662 | Map |
| Masontown, Fayette County, PA 15461 | Map |
| Mercer, Mercer County, PA 16137 | Map |
| Meyersdale, Somerset County, PA 15552 | Map |
| Mifflinburg, Union County, PA 17844 | Map |
| Mifflintown, Juniata County, PA 17059 | Map |
| Millsboro, Fayette, PA 15433 | Map |
| Montgomery, Lycoming County, PA 17752 | Map |
| Moscow, Lackawanna County, PA 18444 | Map |
| Mount Holly Springs, Cumberland County, PA 17065 | Map |
| Mount Union, Mifflin County, PA 17066 | Map |
| Nanty, Cambria County, PA 15943 | Map |
| New Wilmington, Lawrence County, PA 16142 | Map |
| Newport, Perry County, PA 17074 | Map |
| Northern Cambria, Indiana County, PA 15714 | Map |
| Patton, Cambria County, PA 16668 | Map |
| Pine Grove, Schuylkill County, PA 17963 | Map |
| Pocono Woodland Lakes, Pike County, PA 18337 | Map |
| Quarryville, Lancaster County, PA 17566 | Map |
| Reynoldsville, Jefferson County, PA 15851 | Map |
| Saw Creek, Pike County, PA 18324 | Map |
| Sierra View, Monroe County, PA 18330 | Map |
| Stewartstown, York County, PA 17363 | Map |
| Susquehanna Depot, Susquehanna County, PA 18847 | Map |
| Tunkhannock, Wyoming County, PA 18657 | Map |
| Union City, Crawford County, PA 16438 | Map |
| Williamstown, Schuylkill County, PA 17980 | Map |
| Youngsville, Warren County, PA 16371 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Maricao, Maricao Municipio, PR 606 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Allendale, Allendale County, SC 29810 | Map |
| Andrews, Georgetown County, SC 29510 | Map |
| Bamberg, Bamberg County, SC 29003 | Map |
| Barnwell, Barnwell County, SC 29812 | Map |
| Bishopville, Lee County, SC 29010 | Map |
| Chesnee, Cherokee County, SC 29323 | Map |
| Denmark, Bamberg County, SC 29042 | Map |
| Edgefield, Edgefield County, SC 29824 | Map |
| Hampton, Hampton County, SC 29924 | Map |
| Hardeeville, Beaufort County, SC 29927 | Map |
| Honea Path, Laurens County, SC 29654 | Map |
| Lake Murray North Shore, Richland County, SC 29036 | Map |
| Pageland, Chesterfield County, SC 29728 | Map |
| Ridgeland, Jasper County, SC 29936 | Map |
| Saluda, Saluda County, SC 29138 | Map |
| Woodruff, Greenville County, SC 29388 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Canton, Lincoln County, SD 57013 | Map |
| Dell Rapids, Minnehaha County, SD 57022 | Map |
| Hot Springs, Fall River County, SD 57747 | Map |
| Milbank, Grant County, SD 57252 | Map |
| Mobridge, Dewey County, SD 57601 | Map |
| North Eagle Butte, Dewey County, SD 57625 | Map |
| Pine Ridge, Shannon County, SD 57770 | Map |
| Winner, Tripp County, SD 57580 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Ashland City, Cheatham County, TN 37015 | Map |
| Bells, Crockett County, TN 38006 | Map |
| Camden, Benton County, TN 38320 | Map |
| Carthage, Smith County, TN 37030 | Map |
| Dandridge, Jefferson County, TN 37725 | Map |
| Dunlap, Sequatchie County, TN 37327 | Map |
| Dyer, Gibson County, TN 38369 | Map |
| Fairview, Williamson County, TN 37062 | Map |
| Halls, Lauderdale County, TN 38040 | Map |
| Hohenwald, Lewis County, TN 38462 | Map |
| Jasper, Marion County, TN 37347 | Map |
| Livingston, Overton County, TN 38570 | Map |
| Medina, Gibson County, TN 38355 | Map |
| Monterey, Putnam County, TN 38574 | Map |
| Mountain City, Johnson County, TN 37683 | Map |
| Oneida, Scott County, TN 37841 | Map |
| Pleasant View, Robertson County, TN 37146 | Map |
| Selmer, McNairy County, TN 38375 | Map |
| Trenton, Gibson County, TN 38382 | Map |
| Waverly, Humphreys County, TN 37185 | Map |
| Woodbury, Cannon County, TN 37190 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Abernathy, Hale County, TX 79311 | Map |
| Ballinger, Runnels County, TX 76821 | Map |
| Bartlett, Bell County, TX 76511 | Map |
| Bellville, Austin County, TX 77418 | Map |
| Big Lake, Reagan County, TX 76932 | Map |
| Bishop, Nueces County, TX 78343 | Map |
| Brackettville, Kinney County, TX 78832 | Map |
| Brazoria, Brazoria County, TX 77422 | Map |
| Bridgeport, Wise County, TX 76426 | Map |
| Brookshire, Waller County, TX 77423 | Map |
| Cactus, Moore County, TX 79013 | Map |
| Caldwell, Burleson County, TX 77836 | Map |
| Canadian, Hemphill County, TX 79014 | Map |
| Canton, Van Zandt County, TX 75103 | Map |
| Castroville, Medina County, TX 78009 | Map |
| Cisco, Callahan County, TX 76437 | Map |
| Clarksville, Red River County, TX 75426 | Map |
| Clifton, Bosque County, TX 76634 | Map |
| Clyde, Callahan County, TX 79510 | Map |
| Columbus, Colorado County, TX 78934 | Map |
| Comanche, Comanche County, TX 76442 | Map |
| Comfort, Kendall County, TX 78013 | Map |
| Cotulla, La Salle County, TX 78014 | Map |
| Crane, Crane County, TX 79731 | Map |
| Daingerfield, Cass County, TX 75656 | Map |
| Deerwood, Montgomery County, TX 77306 | Map |
| Denver City, Gaines County, TX 79323 | Map |
| Devine, Medina County, TX 78016 | Map |
| Diboll, Angelina County, TX 75941 | Map |
| Dilley, Frio County, TX 78017 | Map |
| Dimmitt, Castro County, TX 79027 | Map |
| Dublin, Erath County, TX 76446 | Map |
| Eagle Lake, Colorado County, TX 77434 | Map |
| Eastland, Eastland County, TX 76448 | Map |
| Electra, Wichita County, TX 76360 | Map |
| Elroy, Travis County, TX 78617 | Map |
| Emerald Bay, Smith County, TX 75762 | Map |
| Fairfield, Freestone County, TX 75840 | Map |
| Farmersville, Collin County, TX 75442 | Map |
| Floydada, Floyd County, TX 79235 | Map |
| Friona, Parmer County, TX 79035 | Map |
| Fritch, Hutchinson County, TX 79036 | Map |
| Giddings, Lee County, TX 78942 | Map |
| Grand Saline, Van Zandt County, TX 75140 | Map |
| Grangerland, Montgomery County, TX 77302 | Map |
| Groesbeck, Limestone County, TX 76642 | Map |
| Hamilton, Hamilton County, TX 76531 | Map |
| Haskell, Haskell County, TX 79521 | Map |
| Hearne, Robertson County, TX 77859 | Map |
| Hebbronville, Jim Hogg County, TX 78361 | Map |
| Henrietta, Clay County, TX 76365 | Map |
| Highland Oaks, Bexar County, TX 78264 | Map |
| Homesteads Addition, Johnson County, TX 76009 | Map |
| Jacksboro, Jack County, TX 76458 | Map |
| Jones Creek, Brazoria County, TX 77541 | Map |
| Junction, Kimble County, TX 76849 | Map |
| Karnes City, Karnes County, TX 78118 | Map |
| Kenedy, Karnes County, TX 78119 | Map |
| Lake Conroe Northshore, Montgomery County, TX 77318 | Map |
| Llano, Llano County, TX 78643 | Map |
| Lytle, Atascosa County, TX 78052 | Map |
| Madisonville, Madison County, TX 77864 | Map |
| Malakoff, Henderson County, TX 75148 | Map |
| Mescalero Park, Potter County, TX 79118 | Map |
| Mont Belvieu, Liberty County, TX 77535 | Map |
| Mount Vernon, Franklin County, TX 75457 | Map |
| Needville, Fort Bend County, TX 77461 | Map |
| Nocona, Montague County, TX 76255 | Map |
| Odem, San Patricio County, TX 78370 | Map |
| Olney, Young County, TX 76374 | Map |
| Onalaska, Polk County, TX 77360 | Map |
| Ozona, Crockett County, TX 76943 | Map |
| Palacios, Matagorda County, TX 77465 | Map |
| Pilot Point, Denton County, TX 76258 | Map |
| Pittsburg, Camp County, TX 75686 | Map |
| Post, Garza County, TX 79356 | Map |
| Poteet, Atascosa County, TX 78065 | Map |
| Prairie View, Waller County, TX 77446 | Map |
| Premont, Jim Wells County, TX 78375 | Map |
| Presidio, Presidio County, TX 79845 | Map |
| Quitman, Wood County, TX 75783 | Map |
| Refugio, Refugio County, TX 78377 | Map |
| Rio Bravo, Webb County, TX 78046 | Map |
| Rio Hondo, Cameron County, TX 78583 | Map |
| Rusk, Cherokee County, TX 75785 | Map |
| San Diego, Jim Wells County, TX 78384 | Map |
| San Saba, San Saba County, TX 76877 | Map |
| Schulenburg, Fayette County, TX 78956 | Map |
| Smithville, Bastrop County, TX 78957 | Map |
| Sonora, Sutton County, TX 76950 | Map |
| Spearman, Hansford County, TX 79081 | Map |
| Springtown, Parker County, TX 76082 | Map |
| Stamford, Haskell County, TX 79553 | Map |
| Sullivan City, Hidalgo County, TX 78595 | Map |
| Sunrise Shores, Henderson County, TX 75758 | Map |
| Sweeny, Brazoria County, TX 77480 | Map |
| Taft, San Patricio County, TX 78390 | Map |
| Tahoka, Lynn County, TX 79373 | Map |
| Teague, Freestone County, TX 75860 | Map |
| Tornillo, El Paso County, TX 79853 | Map |
| Trinity, Trinity County, TX 75862 | Map |
| Tulia, Swisher County, TX 79088 | Map |
| Van, Van Zandt County, TX 75790 | Map |
| Venus, Dallas County, TX 76084 | Map |
| West, McLennan County, TX 76691 | Map |
| West Tawakoni, Hunt County, TX 75474 | Map |
| Whitesboro, Cooke County, TX 76273 | Map |
| Wills Point, Van Zandt County, TX 75169 | Map |
| Winnie, Chambers County, TX 77665 | Map |
| Winnsboro, Franklin County, TX 75494 | Map |
| Winters, Runnels County, TX 79567 | Map |
| Woodcreek, Hays County, TX 78676 | Map |
| Woodville, Tyler County, TX 75979 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Beaver, Beaver County, UT 84713 | Map |
| Blanding, San Juan County, UT 84511 | Map |
| Castle Dale, Emery County, UT 84513 | Map |
| Delta, Millard County, UT 84624 | Map |
| Gunnison, Sanpete County, UT 84634 | Map |
| Kamas, Summit County, UT 84036 | Map |
| Kanab, Kane County, UT 84741 | Map |
| Manti, Sanpete County, UT 84642 | Map |
| Morgan, Morgan County, UT 84050 | Map |
| Mount Pleasant, Sanpete County, UT 84647 | Map |
| Parowan, Iron County, UT 84761 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Fair Haven, Rutland County, VT 05735 | Map |
| Lyndonville, Caledonia County, VT 05851 | Map |
| Newport, Orleans County, VT 05855 | Map |
| Northfield, Washington County, VT 05663 | Map |
| Swanton, Franklin County, VT 05488 | Map |
| Vergennes, Addison County, VT 05491 | Map |
| Waterbury, Washington County, VT 05676 | Map |
| Windsor, Windsor County, VT 05089 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Berryville, Clarke County, VA 22611 | Map |
| Blackstone, Nottoway County, VA 23824 | Map |
| Chase City, Mecklenburg County, VA 23924 | Map |
| Coeburn, Wise County, VA 24230 | Map |
| Crewe, Nottoway County, VA 23922 | Map |
| Dahlgren, King George County, VA 22448 | Map |
| Gloucester Courthouse, Gloucester County, VA 23061 | Map |
| Grottoes, Augusta County, VA 24441 | Map |
| King George, King George County, VA 22485 | Map |
| Lake Land’Or, Caroline County, VA 22546 | Map |
| Lawrenceville, Brunswick County, VA 23868 | Map |
| Lebanon, Russell County, VA 24266 | Map |
| Pearisburg, Giles County, VA 24134 | Map |
| Ruckersville, Greene County, VA 22968 | Map |
| Stuarts Draft, Augusta County, VA 24477 | Map |
| Tappahannock, Essex County, VA 22560 | Map |
| Twin Lakes, Greene County, VA 22973 | Map |
| West Point, King William County, VA 23181 | Map |
| Weyers Cave, Augusta County, VA 24486 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Benton City, Benton County, WA 99320 | Map |
| Camano, WA 98282 | Map |
| Camano North, WA 98282 | Map |
| Clearwood, Thurston County, WA 98597 | Map |
| Colfax, Whitman County, WA 99111 | Map |
| Dayton, Columbia County, WA 99328 | Map |
| Deer Park, Spokane County, WA 99006 | Map |
| Eatonville, Pierce County, WA 98328 | Map |
| Everson, Whatcom County, WA 98247 | Map |
| Forks, Grays Harbor County, WA 98331 | Map |
| Goldendale, Klickitat County, WA 98620 | Map |
| Granger, Yakima County, WA 98932 | Map |
| Indianola, Kitsap County, WA 98346 | Map |
| Kalama, Cowlitz County, WA 98625 | Map |
| La Center, Clark County, WA 98629 | Map |
| La Conner, Skagit County, WA 98257 | Map |
| Leavenworth, Chelan County, WA 98826 | Map |
| Mabton, Yakima County, WA 98935 | Map |
| Mattawa, Grant County, WA 99349 | Map |
| Medical Lake, Spokane County, WA 99022 | Map |
| Newport, Pend Oreille County, WA 99156 | Map |
| Nine Mile Falls, Spokane County, WA 99026 | Map |
| Peaceful Valley, Whatcom County, WA 98266 | Map |
| Raymond, Pacific County, WA 98586 | Map |
| Warden, Grant County, WA 98857 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Alderson, Greenbrier County, WV 24910 | Map |
| Glenville, Gilmer County, WV 26351 | Map |
| Hinton, Summers County, WV 25951 | Map |
| Kingwood, Preston County, WV 26537 | Map |
| Madison, Boone County, WV 25130 | Map |
| Montgomery, Kanawha County, WV 25102 | Map |
| Moorefield, Hardy County, WV 26836 | Map |
| Narrows, Monroe County, VA 24963 | Map |
| Oceana, Wyoming County, WV 24870 | Map |
| Paden City, Tyler County, WV 26159 | Map |
| Petersburg, Grant County, WV 26847 | Map |
| Philippi, Barbour County, WV 26416 | Map |
| Ravenswood, Jackson County, WV 26164 | Map |
| Ripley, Jackson County, WV 25271 | Map |
| Shannondale, Jefferson County, WV 25425 | Map |
| Sissonville, Kanawha County, WV 25312 | Map |
| Spencer, Roane County, WV 25276 | Map |
| St. Marys, Washington County, WV 45768 | Map |
| Summersville, Nicholas County, WV 26651 | Map |
| Welch, McDowell County, WV 24801 | Map |
| White Sulphur Springs, Greenbrier County, WV 24986 | Map |
| Newly-Added USDA Mortgage Zones | Map |
| Abbotsford, Clark County, WI 54405 | Map |
| Algoma, Kewaunee County, WI 54201 | Map |
| Amery, Polk County, WI 54001 | Map |
| Arcadia, Trempealeau County, WI 54612 | Map |
| Baldwin, St. Croix County, WI 54015 | Map |
| Barron, Barron County, WI 54812 | Map |
| Bloomer, Chippewa County, WI 54724 | Map |
| Boscobel, Grant County, WI 53805 | Map |
| Brillion, Calumet County, WI 54110 | Map |
| Brodhead, Green County, WI 53520 | Map |
| Cambridge, Jefferson County, WI 53523 | Map |
| Chetek, Barron County, WI 54728 | Map |
| Chilton, Calumet County, WI 53014 | Map |
| Ellsworth, Pierce County, WI 54011 | Map |
| Hayward, Sawyer County, WI 54843 | Map |
| Horicon, Dodge County, WI 53032 | Map |
| Johnson Creek, Jefferson County, WI 53038 | Map |
| Juneau, Dodge County, WI 53039 | Map |
| Kewaunee, Kewaunee County, WI 54216 | Map |
| Kiel, Calumet County, WI 53061 | Map |
| Ladysmith, Rusk County, WI 54848 | Map |
| Lancaster, Grant County, WI 53813 | Map |
| Lodi, Columbia County, WI 53555 | Map |
| Marshall, Dane County, WI 53559 | Map |
| Mauston, Juneau County, WI 53948 | Map |
| Mazomanie, Dane County, WI 53560 | Map |
| Oconto, Oconto County, WI 54153 | Map |
| Oconto Falls, Oconto County, WI 54154 | Map |
| Omro, Winnebago County, WI 54963 | Map |
| Oostburg, Sheboygan County, WI 53070 | Map |
| Osceola, Polk County, WI 54020 | Map |
| Prescott, Pierce County, WI 54021 | Map |
| Pulaski, Brown County, WI 54162 | Map |
| Seymour, Outagamie County, WI 54165 | Map |
| Somerset, St. Croix County, WI 54025 | Map |
| Spooner, Washburn County, WI 54801 | Map |
| Stanley, Chippewa County, WI 54768 | Map |
| Tomahawk, Lincoln County, WI 54487 | Map |
| Waterloo, Jefferson County, WI 53594 | Map |
| Wautoma, Waushara County, WI 54982 | Map |
| Winneconne, Winnebago County, WI 54986 | Map |
| Wrightstown, Brown County, WI 54180 | Map |
This article, "What is a USDA Mortgage?," authored by Dan Green, is based on extensive professional mortgage experience and includes references to trusted sources such as industry-leading financial institutions and expert research from the following websites:
This article was last updated on December 12, 2024.
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