What Are the Requirements of a USDA Loan?
Updated 12 days ago (March 6, 2026)
A USDA loan can only be used to fund the purchase of a primary residence. For these purchases, USDA loans require:
Maximum debt-to-income ratio of 29%. Other monthly debt payments beside the USDA loan cannot exceed 41% of income.
A credit score of 620 or above is typically required.
Borrowers must show 24 months' dependable income.
Borrowers can also gain automatic approval with a credit score of at least 640.
Financial Disclaimer: Tellus provides this content for informational purposes only. This is not financial advice. Financial returns and mortgage terms vary based on individual circumstances and market conditions. Consult a qualified financial advisor before making financial or borrowing decisions.