Skip to main content
    • Bag with Dollar Sign

      100% financing available

    • Hand Holding Dollar Sign

      Eligible closing costs may be financed

    • Gift icon

      Use gifts, grant money or seller contribution for closing

    • Stack of Money

      Minimum cash to close

  • Encouraging Land Development and Growth:

    A USDA Home Loan is a mortgage program offered by the U.S. Department of Agriculture, which is designed to assist homebuyers without adequate housing and with low-to-average income for their area. This program helps these homebuyers afford hosing with low-to-no down payment and reduced mortgage insurance premiums. This program is ideal for those who reside in qualifying rural or suburban areas.

    Qualifying for a USDA Guaranteed Rural Housing Loan:

    Program guidelines for this type of loan are very specific. We can assist you in navigating through the process to determine your eligibility. Generally, applicants may have incomes up to 115 percent of the area’s median income level and must be able to afford mortgage payments, including insurance and applicable taxes. Your credit history is also considered among other factors.

    Key Features:

    • 100% financing available
    • Minimum cash required to close the loan
    • Eligible closing costs may be financed into your monthly payment and paid over time
    • Gift or grant money and seller contributions are all permitted
  • Applying for a USDA Home Loan:

    Whether you would like to get pre-qualified or begin the application process, we have convenient ways for you to get started. You can begin by adding this product to your bag. During the checkout process, you can select the option to get started online or set up a time to meet with one of our experts.

    Getting Prepared

    It is helpful if you have the following documents with you during the application process:

    • Fully executed purchase agreement, if available
    • Most recent 30 days of pay stubs
    • Most recent two (2) months of bank statements
    • Prior two (2) years of your W2s
    • Prior two (2) years of tax returns
    • Current driver’s license or photo ID

With any account, you also get the latest in digital technology:

Products With You In Mind

FNB offers a full breadth of products and services for your needs.

Blue person icon

Need help now? Call us or schedule an appointment.

Contact a Local Expert

Featured

  1. Article

    Good Credit is Key

    The lower the interest rates on your loans, the more income you'll have available for other uses, including saving for retirement....

  2. Article

    Homeowners Insurance

    A home purchase involves several significant decisions, including homeowners insurance to protect your property from unexpected fi...

Notices & Disclosures
  • All loan products are subject to underwriting/credit approval.
  • FNB is an Equal Housing Lender; NMLS #766529.

0 items in your bag

Cart View Bag

Product video