USDA Loans


Affordable housing loan options for those living in designated rural areas. Enjoy benefits like longer terms and no down payment requirements.


Looking to purchase a home with no money down? If you meet certain income guidelines and are eying a property in a Rural Housing zone, you may be eligible for a United States Department of Agriculture (USDA) loan. The USDA Rural Housing Program also finances 102% to help pay closing costs. And there's no obligation to buy private mortgage insurance (PMI). Talk to a State Bank lender if this sounds right for you.

  • Homes must be located in rural areas
  • Must be within household income limits
  • No down payment
  • Loans available up to 102% of appraised value or sale price
  • Fixed rate mortgages
  • Experienced lenders
  • Personalized, dedicated service

Learn more about income limits and rural housing qualifications.