: There is technically no minimum credit score set by the USDA, though private lenders for guaranteed loans often require a score of 640 or higher .
If you are buying in a non-rural area, you may consider these teacher-specific alternatives: usda home buying loan programs for teachers
: Requires a 1% upfront guarantee fee and a 0.35% annual fee , both of which can typically be rolled into the loan. Structure : Typically a 30-year fixed-rate mortgage. Single Family Housing Direct Home Loans : There is technically no minimum credit score