USDA loans are backed by the U.S. Department of Agriculture (USDA) Rural Development division and are offered to borrowers with moderate and lower incomes (income cannot exceed 115% of the median household income for the area). AFN offers USDA programs that allow eligible applicants to build, improve, purchase, rehabilitate, or relocate a dwelling in an eligible rural area. Many USDA programs have 0% down payment required, and gift funds from family members are allowed to help with closing costs. There is no USDA-imposed loan limit (credit score, income, and other factors are used to determine eligibility and qualifying loan amount).