USDA-eligible — and right now, a $12,500 seller credit too.
USDA home loans are available to qualified buyers year-round. On top of that, for a limited time, a $12,500 seller credit funds a 2-1 rate buydown — your rate and payment start lower for the first two years. The credit applies to existing-inventory homes, and the program has been extended through October 31, 2026.
Applies to existing-inventory homes while the program lasts –Days –Hours –Min
Help with closing costs
The $12,500 seller credit can go toward eligible closing costs. A lender can tell you your exact cash to close.
Lower start, gradual step
The buydown lowers your rate 2% in year one and 1% in year two, then it settles at the note rate for the life of the loan.
$12,500 applied
Seller-paid credit funds the 2-1 buydown and eligible closing costs on existing-inventory homes — extended through Oct 31.
Curious what you'd qualify for?
Ben Minton at The Mortgage Hub (Corbin, KY) handles USDA and the buydown details every day. Pre-qualifying takes minutes and costs nothing.
Example payment. Not all buyers will qualify. This is not an offer to lend or a commitment to lend. Figures are based on a $287,000 average sales price and a 30-year fixed rate of 5.875% (6.386% APR); actual rate, payment, taxes, insurance and eligibility depend on the individual buyer, home and USDA qualification. Buydown offer applies to existing inventory and ends October 31, 2026. Financing provided by Ben Minton, The Mortgage Hub (NMLS #1680109, Company NMLS #2296908). Equal Housing Opportunity.