Rural Housing (USDA)

USDA 30-Year Fixed¹

6.625% / 7.219% APR*

*See All Rates

The USDA – Guaranteed Rural Housing loan¹, offered by APGFCU, assists qualified buyers interested in purchasing a primary residence in eligible rural areas. 

• 100% financing – No down payment required.
• 30-year term with a fixed rate.²
• Up-front Guarantee Fee assessed by the USDA can be financed into the loan.
• Income restrictions apply.

Refinance your Rural Housing (USDA) loan here

To learn more about the Rural Housing Loan, including eligibility requirements, call 888-LOAN-391 (888-562-6391) to receive a call from an APGFCU Mortgage Consultant.

Membership eligibility applies. Loans are available only on primary and secondary single-family residences or owner-occupied condominiums located in MD, PA, DE, NJ, VA, NC, SC, and FL. Subject to credit approval.

¹Subject to income and geographical eligibility.

²Loan payment example: A fixed-rate USDA [101% Loan-to-Value (LTV)] loan of $201,801 for 30 years at a 7.125% rate and 7.390% APR will have a principal and interest monthly payment of $1,308.88. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

Interest on the portion of the loan amount above the Fair Mortgage Value is not deductible for Federal income tax purposes, and members should consult a tax advisor for further information regarding the deductibility of interest and charges. Payments do not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.