A USDA Loan is a mortgage option backed by the United States Department of Agriculture designed to help low- to moderate-income individuals or families purchase homes in eligible rural areas. These loans offer benefits such as no down payment, lower mortgage insurance costs, and competitive interest rates, making homeownership more accessible. To qualify for a USDA Loan, applicants must meet specific income requirements and demonstrate the ability to repay the loan. Properties must be located in designated rural zones, and the program aims to promote economic growth and improve living conditions in these areas.