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How much USDA land can be purchased with a USDA home loan?

March 26th, 2021 by usdaadmin

USDA loans are sought after by homebuyers since they allow for no down payment and offer financing flexibility. Additionally, USDA guidelines have recently improved in regards to how much acreage can be purchased with a USDA home loan.

While it is true that you are not able to just purchase raw land with a USDA Guaranteed loan, in today’s video, I will explain how much USDA land is permitted when purchasing an existing home or with the construction of a new home. 

Plus, download our FREE USDA Blueprint for Success! This educational guide is designed to walk you through the USDA process and guidelines.

USDA Acreage Limits

To begin with, the USDA Single Family Housing Guaranteed Loan Program is designed for Single Family Housing and is not a solution for working farms or income-producing properties. Also, remember that any land that you purchase must be in connection with either an existing home or through the construction of a new home.

If you are building a home, under the USDA Single Close Construction to Permanent Program, we are able to offer no down payment USDA construction loans for Single Family, Modular, and Manufactured Homes which includes the ability to purchase land in conjunction with the construction or build on land that you already own.

Moreover, USDA guidelines do not have acreage limitations, just that it must be typical for the area as discussed below.

USDA Site Size Requirements

USDA  guidelines state the following for site size requirements: “The site size must be typical for the area.”

How much USDA land can be purchased with a USDA home loan in FL, TX, TN, or AL?

This definition clearly opens up the potential for higher amounts of USDA land to be purchased and comparable sales in the area will help to justify if the site size is typical.  As a result, do not assume that properties with increased acreage may or may not be eligible until we have a chance to review the scenario further.

USDA Land and Home Scenarios or Questions

Most of all, don’t let the details overwhelm you, because that’s what my team and I are here for! If you have any scenarios or questions, please reach out so we can provide additional guidance and upfront review in order to help determine how many acres you can purchase with a USDA loan.

If you have any questions or scenarios, please contact us by phone or email:

(800)806-9836 Ext. 280

Summary – USDA Land

How much USDA land can be purchased with a USDA home loan in FL, TX, TN, or ALIn summary, the most important point to remember is that the size of the USDA land should be typical for the area. This is vital for determining how many acres you can buy with a USDA loan.

Our vast experience and expertise are here to aid you in each step of the process. Let us show you the “Metroplex difference!

Lastly, don’t forget to download our USDA Blueprint for Success. Make it a great day and I look forward to seeing you for the next tip of the week!


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