ReShawna Leaven, Realtor® ~ VA, MD & DC
Keller Williams Realty

Keller Williams Realty
Alexandria
6408 Grovedale Drive, Suite#101 Alexandria VA 22310

United States Department of Agriculture Rural Development Loan (USDA Loan)

Northern Virginia and Maryland USDA Program guidelines and eligible properties for 100% financing. Homes in these zip codes may be eligible to purchase with a USDA loan - 20184, 20198, 22742, 22734, 20130, 22728, 20115, 22642, 22639, 22720, 20144, 20119, 20137, 22712, 20181, 20169, 20155, 20141, 20197, 20132, 20117, 20180, 20158, 20152, 20148, 20105, 20187, 22405, 22406.

USDA Loan Program Information

No Down Payment 

30 Year Fixed Rate 

Primary Residence

Ratio: 29/41

Household Income Must Fall Below Income Limitations For Your Area. Income is calculated for EVERYONE working in the home.

Up to 102% financing - Example - If the purchase amount is $250,000, you will be able to finance the 2% commitment fee that USDA charges upfront or pay it at closing. The maximium loan about if financed will be $255,000.


2% Guarantee Fee - The USDA Guarantee Fee or USDA Funding Fee is required on all USDA guaranteed loans. This keeps the government program funded and protects investors in event that the borrower defaults on the loan

.5% Monthly Mortgage Insurance - On a $255,000 mortgage the monthly mortgage insurance is only $106.25 per month. Which is much lower than FHA which would be $251.30 for the same property purchased. 

620 Minimum Credit Score (some lenders will extend credit to borrowers with scores as low as 550) Flexible Credit and Expanded Qualifying Ratios. Borrowers with non-traditional credit histories may be eligible.

The House Must Be Within USDA Eligible Areas - click here to search for an address 

Up to 6% seller contribution

Rural Development Loan - Another term for a USDA loan is a Rural Development Loan or a Rural Housing loan. These terms lead to the belief that you can only get a loan on houses in the countryside or sparsely populated areas. This is absolutely not true, there are many suburban areas with thriving communities.

USDA Rural Development Single Family Housing Guaranteed Loan Program

Guaranteed Loans Offer Affordable Financing To Rural Homebuyers.

The mission of USDA Rural Development’s Single Family Housing Guaranteed Loan Program is to assist low to moderate income rural homebuyers achieve their dream of homeownership!

Rural Development partners with approved local lenders to extend 100% financing opportunities to eligible rural individuals and families for the purchase of safe and sanitary dwellings. Guaranteed loans have assisted thousands of homeowners to purchase a home with affordable interest rates and loan terms. 

Applicants must purchase a home within the eligible rural areas, and have a household income that does not exceed the established limits where the home is located. Additional Guaranteed Loan Features include but are not limited to: 

  • 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included.
  • Guarantee Fee applies: may be rolled into the loan amount.
  • Flexible credit guidelines. Non-traditional credit histories may be accepted.
  • Fixed 30 year interest rates apply. Lenders and applicants agree upon interest rate.
  • Qualifying ratios are 29% for housing costs and 41% for total debt. Lenders may request an exception to exceed these ratios when strong compensating factors are identified.
  • No maximum purchase price. Qualifying ratios and the applicant’s stable and dependable income will determine home affordability.
  • Eligible property types include existing homes, new construction, modular homes, Planned Unit Developments (PUD’s), eligible condominiums and new manufactured homes.
  • Eligible closing costs and lender fees may be included in the loan or paid by the applicant.
  • Gift/Grant Funds/Mortgage Credit Certificates (MCC’s)/Seller Concessions are allowed.
  • Eligible repairs and improvements may be included in the loan.
  • Applicants apply with an approved lender of their choice.
  • Not limited to first time homebuyers.
  • Lenders who wish to join the Guaranteed mailing list should sign up at http://www.rdlist.sc.egov.usda.gov/listserv/mainservlet

Eligible Subdivisions for USDA Financing in Northern Virginia

Loudoun County, Virginia in Middleburg (20117)

  • CORNER OF 50 & KIRK BRANCH
  • FEDERAL VILLAGE
  • FOX RUN OF MIDDLEBURG
  • LEITH VILLAGE
  • MIDDLEBURG
  • MOSBY SPRINGS
  • PETER SUBDIVISION
  • SPRINGHILL
  • ST LOUIS CORNER
  • TOWN OF MIDDLEBURG
  • UNISON

Loudoun County, Virginia in Lovettsville (20180)

  • BAILEY DIVISION
  • DUTCHMANS CREEK
  • FOX MEADOW SUBDIVISION
  • GRAHAM DIVISION
  • IN MORRISONVILLE
  • KING-DRANE
  • KINGSRIDGE ESTATES
  • LAKEVIEW VILLAGE
  • LOVETTSVILLE TOWN CENTER
  • LOWRY DIVISION
  • MARCUM DIVISION
  • MILHOVEN SUBDIVISION
  • MILL CREEK
  • NEW TOWN MEADOWS
  • PINE GROVE
  • SHORT HILL CHASE
  • TOWN OF LOVETTSVILLE

Loudoun County, Virginia in Round Hill (20141)

  • AIRMONT
  • BLUE RIDGE SUMMIT
  • GREENWOOD COMMONS
  • HILLWOOD ESTATES
  • HILLWOOD OAKS
  • LAKE POINT
  • MOUNTAIN VALLEY AT VILLAGES AT
  • RIDGES OF ROUND HILL
  • ROUND HILL
  • ROUND HILL LAKE POINT
  • TOWN OF ROUND HILL

Loudoun County, Virginia in Purcellville (20132) 

  • BETWEEN THE HILLS
  • CATOCTIN MEADOWS
  • CORTLAND SQUARE
  • COUNTRY CLUB HILLS
  • COURTS OF ST. FRANCIS
  • DILLON SUBDIVISION
  • FLAG INC & FENTON
  • FORT BACON
  • GARDNER MEADOWS
  • GRAHAM
  • HIRST FARM
  • HOUGH FARM
  • HUNTING HILL FARMS
  • KINGSBRIDGE MANOR
  • LAMBERT FAMILY SUBDIVIS
  • LINCOLN
  • LOCUST GROVE
  • LOVE SUBDIVISION
  • MAIN STREET VILLAGE
  • OAK KNOLL FARMS
  • OLD DOMINION VALLEY
  • PURCELLVILLE
  • PURCELLVILLE GREEN
  • PURCELLVILLE RIDGE
  • SARATOGA
  • TOWN OF HILLSBORO
  • TOWN OF PURCELLVILLE
  • VILLAGE CASE
  • VILLAGES OF PURCELLVILLE
  • WELSH LAWN

Loudoun County, Virginia in Leesburg (20176)

  • BLUE RIDGE AT LEISURE WO
  • ELYSIAN HEIGHTS
  • LANSDOWNE ON THE POTOMAC
  • LANSDOWNE TOWN CENTER
  • LEISURE WORLD
  • LINDEN ROW
  • MAGNOLIAS AT LEISURE WOR
  • NORTHLAKE
  • PHILLIPS DIVISION
  • POTOMAC RIDGE AT LEISURE
  • POTOMAC STATION
  • RESIDENCES AT LANSDOWNE
  • RIVER CREEK
  • RIVER POINTE TOWNS
  • RIVERBEND AT LEISURE WOR
  • SPRING LAKE
  • SYCAMORE HILL
  • TAYLORSTOWN
  • TOWNES CND AT LANSDOWNE
  • VILLAGE GREEN

Loudoun County, Virginia in Ashburn (20147)

  • ASHBRIER
  • ASHBROOKE VILLAGE
  • ASHBURN FARM
  • ASHBURN VILLAGE
  • BELMONT
  • BELMONT COUNTRY CLUB
  • BELMONT ESTATES
  • BELMONT FOREST
  • BELMONT GREENE
  • BELMONT LANDBAY S
  • BELMONT RIDGE
  • BROADLANDS
  • BROADLANDS STATION
  • CEDAR RIDGE
  • CROSSROADS MANOR
  • FARMWELL HUNT
  • GOOSE CREEK
  • GOOSE CREEK VILLAGE CONDOMINIUM
  • GOOSE CREEK VILLAGE NORT
  • HEARTHSIDE AT FLYNNS CRO
  • MORLEY CORNER CONDOMINIUM
  • PARKSIDE AT ASHBURN
  • POTOMAC GREEN
  • POTTER PROPERTY
  • REGENTS WALK
  • RIDGES AT ASHBURN
  • RIDGES AT BELMONT COUNRY CLUB
  • RIDGES AT BELMONT COUNTR
  • RIVERSIDE VILLAGES
  • SOUTHGLEN AT UNIVERSITY
  • TOWNES AT GOOSE CREEK VI
  • UNIVERSITY CENTER

Loudoun County, Virginia in Ashburn (20148)

  • ALEXANDERS CHASE
  • AMBERLEIGH
  • BRAMBLETON
  • BRAMBLETON LAND BAY
  • BRAMBLETON OVERLOOK LB2
  • BRAMBLETON TOWN CTR RESI
  • BROADLANDS
  • BROADLANDS SOUTH
  • BUCKINGHAM AT LOUDOUN VA
  • CLOVERHILL @ BRAMBLETON
  • DENTON TERRACE
  • GOOSE CREEK VILLAGE
  • GOOSE CREEK VILLAGE SOUT
  • LOUDOUN PARKWAY CENTER
  • LOUDOUN VALLEY
  • LOUDOUN VALLEY ESTATES
  • PRESERVE AT GOOSE CREEK
  • RESIDENCES AT BRAMBLETON
  • SOUTHBEND AT BRAMBLETON
  • SUMMERFIELD AT BRAMBLETON
  • SUMMERFIELD BRAMBLETON
  • THE AMBERLEA AT MOOREFIELD GREEN
  • THE FREMONT AT MOOREFIELD GREEN
  • THE HERITAGE AT LOUDOUN VALLEY
  • THE MANORS AT MOOREFIELD GREEN
  • THE MEADOWS AT LOUDOUN VALLEY
  • THE PRESERVE AT GOOSE CREEK
  • VILLAGES AT BROADLANDS
  • WINDERMERE

Loudoun County, Virginia in Aldie (20105)

  • ALDIE
  • AMBER SPRING
  • CENTRE PARK AT STONE RIDGE
  • CONDOMINIUMS AT KIRKPATR
  • KIRKPATRICK FARMS
  • LOUDOUN CROSSING
  • MERCER PARK CONDOMINIUM
  • SEVEN HILLS
  • STONE RIDGE
  • STONE SPRINGS CONDOMINIU
  • STRATSHIRE CROSSING
  • SUMMER WALK AT SUN RIDGE
  • SUMMERWALK AT STONE RIDG
  • SUMMERWALK AT STONE RIDGE
  • TOWNE CENTRE CROSSINGS @ STONE RIDGE
  • VILLAGE SQUARE IN STONE RIDGE
  • VIRGINIA MANOR
  • WESTRIDGE

Loudoun County, Virginia in Chantilly/South Riding (20152)

  • AMBERLEA AT SOUTH RIDING
  • AVONLEA
  • EAST GATE
  • ESTATES AT ELK RUN
  • LAKESIDE AT SOUTH RIDING
  • LITTLE RIVER PRESERVE
  • PROVIDENCE GLEN
  • RESERVE AT SOUTH RIDING
  • SOUTH RIDING
  • SOUTH VILLAGE
  • THE RESERVE AT TALL CEDARS
  • TOWNES AT EAST GATE 

Prince William County, Virginia in Bristow (20136)

  • AVENDALE
  • BRAEMAR
  • DUNBARTON
  • FOXBOROUGH
  • INNISBROOKE
  • KINGSBROOKE
  • NEW BRISTOW VILLAGE

Prince William County, Virginia in Haymarket (20169)

  • BULL RUN MT
  • DOMINION VALLEY COUNTRY
  • GREENHILL CROSSING
  • HICKORY GROVE
  • LONGLEVEL ACRES
  • LONGLEVEL EST
  • LONGSTREET CO
  • MARKET CENTER
  • MARKET CENTER CONDOMINIU
  • PIEDMONT
  • PIEDMONT MEWS
  • PROP OF THOMAS H FIELDS
  • REGENCY AT DOMINION VALLEY
  • REGENCY AT DOMINION VALLEY COUNTRY
  • REGENCY AT DOMINION VALLEY GEORGETOWN
  • SHERWOOD FOREST
  • SOUTH MARKET
  • THE GREENBRIER CONDO ASSN
  • THE REGENCY AT DOMINION VALLEY - GREENBRIER
  • THE RESIDENCES AT MARKET
  • TWIN BRANCH (WESTMARKET)
  • VILLAGES AT HAYMARKET
  • VILLAGES OF PIEDMONT AT LEOPOLD'S PRESERVE
  • WATERFALL VILLAGE
  • WESTMARKET

Prince William County, Virginia in Gainesville (20155)

  • BREYERTON
  • BRIDLEWOOD
  • BROAD RUN OAKS
  • CARTERWOOD
  • CROSSROADS VILLAGE
  • GAINESVILLE
  • GLENKIRK ESTATES
  • GREENHILL CROSSING
  • HEATHCOTE COMMONS
  • HERITAGE HUNT
  • HOPEWELLS LANDING
  • LAKEVIEW ESTATES
  • LAWNVALE ESTATES
  • MADISON CRESCENT CONDOMI
  • MEADOWS AT MORRIS FARM
  • PARKS AT PIEDMONT SOUTH
  • PIEDMONT
  • PROP OF MADISON CRESCENT
  • ROCKY RUN
  • SNOW HILL
  • SOMERSET
  • SOMERSET CROSSING
  • THE TOWNES AT VILLAGE PL
  • VILLAGE PLACE AT GAINESVILLE
  • VIRGINIA OAKS
  • WENTWORTH GREEN