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USDA Rural Development Loans- Columbia SC Real Estate- USDA Single Family Housing Program

 USDA Rural Development Loans

USDA loans are funded through the Rural Business Enterprise Grant program and aim to help homebuyers in rural areas who have little to no money available for a down payment.  USDA loans are fixed rate loans that make it possible for people to make no down payment and it is probable that the closing costs may also be included. This program is unique in that it is one of the only 100% mortgage financing options in the marketplace available currently.  These loans allow buyers to have the absolute lowest monthly payment out there.  This is possible because there is no monthly mortgage insurance.    

To be approved for this loan, the home you wish to buy must be in a rural area, and you must be within the household income limits.  There are websites available where you can search to see if the home is within a defined rural area. 

If you are interested in receiving immediate attention to find out if you qualify for this program, please contact us at our website.


There are two types of USDA loans in South Carolina:

  • USDA Guaranteed Rural Housing Loans

This is the most common type of loan used, as it allows for higher household income limits.  The loan is a 30 year, set fixed rate loan.

  • USDA Direct Rural Housing Loan

This loan is less typical because it is only available for low and very low income households.


Overall, this is a great option for those who are interested in purchasing a home, but do not want to have worry about putting out a down payment. 


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Columbia,SC EXIT Real Estate Solutions - Jae Kim, Broker

Buying or selling a home or property should be one of the most enjoyable experiences of your life.  Most of the time, it's the largest investment you will make.  Jae Kim of EXIT Real Estate Solutions in Columbia, SC is your Award Winning Real Estate expert in BlythewoodColumbiaLugoffElginLexingtonIrmo,ChapinCamdenCayceWest Columbia, and the rest of Greater Columbia.  This is what we do every day.  We can simplify the process for you so that you can enjoy the the experience and avoid the pitfalls that often result in stressful transactions.  Call 803-348-3052 today for World-Class, Award- Winning representation.