Find out if you may qualify for a USDA home loan in under 2 minutes.

Answer a few quick questions and I'll generate a personalized USDA eligibility snapshot — with a downloadable certificate you can keep.

No credit pull No obligation Instant results

Mortgages by Channing · NMLS #1457759 · Equal Housing Lender

What zip code are you looking to buy in?

This helps us estimate USDA area eligibility for the property location.

Zip Code

Are you a first-time homebuyer?

USDA does not require you to be a first-time buyer, but this helps us understand your situation better.

Yes, first time

I've owned before

Are you an active military member or veteran?

This won't affect USDA eligibility directly, but it helps us understand whether you may have multiple zero-down options.

Yes

No

What type of property are you looking for?

USDA is generally used for primary residences, most often single-family homes.

Single Family

Condo / Townhome

Mobile / Manufactured

Multi-Family

What's your current housing situation?

This helps us understand your timeline and whether there's a home to sell.

Renting

I own — need to sell first

I own — keeping my current home

Living with family

What purchase price are you targeting?

Use the slider or type a value.

$250,000

How much cash do you have available to put toward a home?

Include savings, gift funds, or anything you could use at closing. USDA allows $0 down — this just helps us see the full picture.

$0

What is your gross annual income?

Include all income sources. USDA loans have household income limits, so this matters.

$75,000

What is your employment status?

This helps us determine which income documentation works best for your loan.

Employed

Self-Employed

Retired / SS / Disability

Not Currently Employed

What are your monthly debt payments?

Include car payments, student loans, and minimum credit card payments. Do not include rent or utilities.

$500

What is your estimated credit score?

An estimate is fine — we won't pull your credit.

760+ — Excellent

720–759 — Very Good

680–719 — Good

640–679 — Fair

600–639 — Below Average

Below 600 — Needs Work

How soon are you looking to buy?

No wrong answer — this helps us prioritize next steps.

ASAP — within 30 days

1–3 months

3–6 months

Just exploring

What's your name?

First Name

Last Name

What's your email address?

We'll send your USDA eligibility summary here.

Email Address

Last step — enter your phone number

So I can reach out with your USDA loan options personally.

Phone Number

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UMortgage LLC · NMLS #1457759 · Equal Housing Lender.

Hi there —

Your USDA Eligibility Snapshot

This is a preliminary estimate based on what you've shared — not a pre-approval. Your actual eligibility, purchase power, and loan terms can only be confirmed after a conversation with a loan officer who can verify your income, credit, property location, and full financial picture.

Estimated Purchase Power

$0

Based on 29/41% DTI · 6.5% rate · 30yr · Est. taxes, ins. & USDA fees

Estimated Down Payment

$0

USDA allows up to 100% financing

Want to know your real numbers?

These estimates need to be verified with a licensed loan officer. A quick call is the fastest way to confirm your eligibility, lock in your actual rate, and get a real pre-approval letter.

Call Channing — 337-476-2623

USDA Eligibility Review

Book a Call 337-476-2623 Start Application 5 min · No credit pull

This USDA eligibility estimate is based on information you provided and general market assumptions. It is not a commitment to lend, a guarantee of USDA eligibility, or a pre-approval. Actual eligibility requires verification of income, household size, credit, property address, and underwriting review by a licensed loan officer. UMortgage LLC · NMLS #1457759 · Equal Housing Lender.