A USDA home loan is a government-backed mortgage program designed to help low- to moderate-income buyers purchase homes in eligible rural and suburban areas. Offered through the U.S. Department of Agriculture, these loans provide 100% financing—meaning no down payment is required—and feature low interest rates and reduced mortgage insurance costs. The USDA loan aims to make homeownership affordable for families seeking to live outside densely populated cities, supporting community growth and rural development.