Likewise, mortgages, home equity loans, and car loans could also be better options. The Ascent is separate from The Motley fool editorial content and is created by a different analyst team..

Usda Loan Credit Requirements 2019 Usda Loan Income Limits The USDA loan’s purpose is to help homebuyers with a modest income purchase a home. In order to satisfy this goal, the USDA requires that lenders certify the applicant’s household income, at the time of the guarantee, does not exceed the income limit for their area.