what score must i have for usda home loan
USDA Loans â 100% Financing, Zero Down, Credit Score 640+ for Home Loan. USDA Loans. In 1991, rural development loans were started by the United States Department of Agriculture (USDA) to encourage people to buy homes in the suburban or rural areas of the country.
Income limits cannot exceed the USDAâs Rural Development Single Family Housing Guaranteed Loan Program income limits for the area. Must have a minimum credit score of 640 (660 if have a prior short sale) and debt-to-income ratio of 41%.