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A USDA home loan is a federally backed mortgage that allows lower-income buyers to purchase a single-family residence with a low interest rate and no down payment. To qualify for a USDA loan, the property must be located in an eligible rural area and the borrower must meet income requirements that vary by location and household size. Once the loan is paid off, the lender will issue a lien release and the borrower should notify their homeowners' insurance provider and local tax office to update their records. Eligible properties can