In order to receive a USDA mortgage, the property must also be located in an eligible rural area as determined by USDA.
What Qualifies as a Rural Area?
In order to be an eligible property, rural areas are generally defined by USDA as:
USDA Minimum Property Requirements (MPRs)
To ensure the house meets USDA guidelines, a qualified appraiser will inspect the property to ensure it meets the minimum property requirements set forth in HUD’s Single Family Housing Policy Handbook 4000.1 (SF Handbook).
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