The USDA loan is designed to assist households in obtaining housing in rural areas. Loans are limited to applicants with incomes that do not exceed state and local Rural Development (RD) median income limits and property designated as rural by RD. This program offers 100% financing, which means a 0% down payment. Credit scores down to 620 based on the USDA approval system. Most household income limits can’t exceed around $81,000 per year (combined income) in order to qualify. Households of 4 or more may have a higher income limit.