This document summarizes a USDA Rural Development loan program that offers benefits for real estate agents and home buyers. Key features of the loan include no down payment, no private mortgage insurance (PMI), closing costs can be paid by the seller or rolled into the loan, debt-to-income ratios up to 29/41 or 31/43, and income limits that vary by county but generally allow maximum incomes up to $74,050 for 1-4 person households. The document provides an example loan with a purchase price of $100,000 that can finance up to $108,807 including closing costs and fees. Real estate agents are encouraged to utilize this loan program to help buyers and improve negotiations.
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