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More space, fresh air, and lower interest rates. You can get a lot when you move outside the city.

Key Features

  • Lower Rates
  • No Down Payment
  • No Cash Reserves
  • Lower interest rates to purchase and improve property in non-urban areas:
    • Repair and rehab expenses
    • Energy improvements, such as insulation and solar panels
    • Improvements to property, such as grading, adding a driveway, and landscaping
    • New utility connections, such as sewage, gas, and broadband internet
    • Costs of appliances the seller may offer with the property
  • Backed by the U.S. Department of Agriculture
  • No down payment
  • No cash reserves required
  • Fixed rates — your interest rate never goes up


Your property must be in a smaller town or a rural area. Your income must be below a certain level. However, your income can be higher than the average income for the area of your new home.

Warsaw Federal Processes USDA Loans 60% Faster

Many lenders take up to seven weeks to process USDA loans. Not Warsaw Federal. Our average time from application to closing is less than a month. Move in faster with a Warsaw Federal USDA loan.

All loan features are based upon a home value of $150,000, loan amount of $151,515, with a principal and interest payment of $734.32 and an APR of 4.654%.

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