USDA Loans are special home loans offered by the United States Department of Agriculture to help low- to moderate-income families buy homes in rural areas. These loans are designed to promote homeownership in less populated regions and often require no down payment, making it easier for eligible buyers to purchase a home. To qualify for a USDA Loan, applicants must meet certain income limits and demonstrate a reliable source of income. The loans also come with competitive interest rates and flexible credit requirements, making them an attractive option for those looking to settle in rural communities.