USDA Loans

USDA Home Loans in Vermont

Mansfield Mortgage is your local expert on USDA loans in Vermont. For those who meet income-eligibility requirements, USDA loans can be utilized for the purchase of single-family detached and attached dwellings. Contact Mansfield Mortgage to learn more and apply for a USDA mortgage loan!


A USDA Rural Development Loan is one of the few loan products available that qualifies for “zero” money down. This loan is done through our relationship with our lender and the United States Department of Agriculture Rural Development.


USDA loans are a fantastic loan for those borrowers who meet the income eligibility requirements of the Vermont county in which they reside. Many Vermonters qualify for this program.

This program allows for no money down/zero money down purchase of single family detached and attached dwellings, including townhouses and condos. Special approval is required on attached dwellings, so please call us first before looking.

USDA loans are a little hard to obtain as the credit score required is higher than that of an FHA loan, the property has to be in an eligible area, and you have to meet the income requirements for your county. (Yes, this means you could make TOO much money for this loan type.)

Mortgage Loan Home Sold

These homes have to be single family and owner occupied by you. Meaning, you have to live there when you buy it. It also can’t have an in-law apartment or in any way be able to produce income. This includes the ability to be subdivided or have any type of income producing element to the home. This includes barns or shops that have been used to produce income for the current owner in the past years. As always, call us first with questions.

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