PicNicLoans
Region: US
Monday 06 July 2026 16:44:32 GMT
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razzpberries 🆘 🇺🇸 :
We used a USDA loan to buy our home. Not to build, but the other one for buying. $0 down, 4% interest. You also have to live in the home as your primary residence for at least 5 years before selling or buying a new home, and you cannot do the USDA loan again until you sell your old home.
2026-07-07 14:14:32
5026
Legan :
Like he said...IF YOU MEET THE QUALIFICATIONS. This type of loan has stricter stipulations than one like FHA that requires 3.5% down
2026-07-07 19:27:43
593
tory :
I have an FHA loan! 3.4 interest rate!!!
2026-07-07 12:21:08
518
AllMeat NoPotatoes :
whats the credit score need to be? I make good money but my credit is ass
2026-07-07 01:43:57
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4𝐬 𝙺 𝙾 𝙽 𝚂 𝙲 𝙸 𝙾 𝚄 𝚂 :
Idk about yall but it’s telling me in Florida the annual income requirement is $456,000. If you’re making half a million you should be able to put up a down payments
2026-07-07 20:03:36
212
Appalachianswampwitch :
I want to don this with a mobile home. But none of the mobile home dealerships I’ve talked to like to dead with usda loans because they take too long.
2026-07-07 22:03:36
0
Kat :
It’s not worth buying a home now.
2026-07-07 22:07:30
4
TabiBasquez :
We bought a home on an acre with the usda loan last year. They are very picky about finances but we have low 600 credit scores, my husband is the only income of the family, we have a car loan, and credit cards, and a few collections. The process was exactly 30 days from putting offer in, to signing paper work and getting keys. No money down but did have to pay for inspection, appraisal, and closing costs
2026-07-07 19:05:35
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Mikaela Little :
I've been on their direct loan waiting list for 3 years 😭
2026-07-07 02:22:27
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Fulcrum :
No way! Build my home 30 miles from the nearest grocery store!? 30 from nearest movie theatre and shop? SOUNDS AMAZING🙄
2026-07-07 21:27:20
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the bandit687 :
yes and no..you can't make less than 50k a year,must've made no less the previous 5 years and even the realtors that you have to be connected to dont want the hassel
2026-07-07 15:21:29
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Plastic :
it’s true but still not helpful info for 95% of people as if you can afford to live somewhere else while ur new home is being built while paying on the loan for the land and new construction, well you’re already in the top5% for wealth already and probably didn’t need a loan with no down payment
2026-07-07 17:17:48
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LaVela® :
also please note that Doge and this current administration messed up USDA horribly. they are severely under staffed. ive been waiting on a construction loan from them since Feb 2025 and still have not gotten through. it is an extremely long wait with this program
2026-07-07 17:52:38
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💙JacAlKaLu💙 :
If we already got a USDA rural development loan for an existing house. Could we still qualify for a construction USDA loan?
2026-07-07 14:26:55
7
Sean- My Lending Genie :
USDA construction loans are an option more people should know about. For eligible rural areas and qualified buyers, they can make building a home much more accessible with little or even no down payment. Definitely worth exploring if you're considering new construction.
2026-07-06 23:53:14
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user6047177986932 :
Don’t forget to mention it’s the most difficult loan you can get 😭
2026-07-07 14:23:03
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GoddessAries033 :
I'm approved only for 150k USDA due to my income to debt ratio. how do I buy land for 85k and build a house for that?!
2026-07-07 20:07:23
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Desiree Lopez :
We were approved for it but only 180k so needless to say that didn’t get us anywhere in NE
2026-07-07 13:54:39
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710Tonyy :
USDA is an extremely long process, and people often times don’t get full loans. Or are extremely restricted
2026-07-08 03:40:36
3
Jo Simone :
I tried when we bought our home! We were over the income by 5K 😫
2026-07-07 22:41:32
4
Mandee :
I did it!
2026-07-07 20:55:36
0
Countrygirl7 :
Credit score over 680 required
2026-07-08 15:37:34
1
Snow :
Can someone help me get in touch w the right person? I’ve filled out an app did the pre approval etc but don’t know where to go from there? Any advice would be greatly appreciated.
2026-07-08 01:49:44
2
Cassie :
what if I already have the land financed and almost paid off already? the house on it is falling apart.
2026-07-08 22:15:26
0
Tides, Tails and Travels :
That debt to income ratio will get you these days with them sadly
2026-07-07 16:39:51
3
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