USDA Home Loans

USDA Home Loans in Cadiz KY

If you’re dreaming of a home in rural Kentucky, a USDA Rural Housing Loan could make it possible — with no down payment required. At Quality Home Mortgage, we help eligible buyers in and around Cadiz, KY access 100% financing through the USDA loan program.


As a trusted local mortgage company, we walk you through the entire process — from checking eligibility to securing the best terms for your future.

What Is a USDA Rural Development Loan?

USDA loans are backed by the U.S. Department of Agriculture and created to make homeownership more accessible in rural areas like Trigg County and surrounding regions. These loans are ideal for low-to-moderate income households who meet property and income requirements.

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Designed for Rural & Suburban Homebuyers

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Key Features of USDA Loans

  • $0 down payment
  • Competitive interest rates
  • Low monthly mortgage insurance
  • Flexible credit requirements
  • Fixed 30-year terms available

If you’re buying a home outside a major metropolitan area — chances are, your property may qualify.

Who Qualifies for a USDA Loan?

General Requirements:

  • Property must be located in a USDA-eligible rural area (we’ll verify this for you)
  • Household income must be within regional income limits
  • Must occupy the home as your primary residence
  • Stable income and ability to repay loan

Many parts of Western Kentucky — including Cadiz, Hopkinsville, Princeton, and other nearby communities — fall within eligible rural zones.

Why Choose Quality Home Mortgage?

We Know the USDA Process

Since 2004, we’ve helped dozens of families in rural areas purchase homes with no money down using USDA loans. We understand the specific documentation, approval timelines, and property criteria to get your loan closed on time.

Personalized Support

From checking your income qualifications to running USDA property eligibility reports, we do the heavy lifting and help you understand every option available.

USDA Loan Process – Step by Step

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Step 1: Check Eligibility

We confirm your income, credit, and property address meet USDA standards.

2

Step 2: Pre-Approval

We’ll issue a USDA loan pre-approval so you can house hunt confidently with a clear budget.

3

Step 3: Property Contract & Appraisal

Once you find a home, we manage the contract and coordinate a USDA-compliant appraisal.

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Step 4: Final Approval & Closing

We handle underwriting and keep you updated through closing day — often in 30–45 days.

FAQs About USDA Home Loans

  • Do I really need no down payment?

    Correct — USDA loans are one of the few programs offering 100% financing, meaning no down payment is required for qualifying buyers.

  • Are USDA loans only for farms?

    Not at all. Despite the name, USDA loans are meant for residential homes in rural and some suburban areas — not agricultural properties.

  • How do I check if a property is eligible?

    We handle that for you! We use the official USDA eligibility map to confirm whether your desired property qualifies.

  • What’s the income limit for USDA loans?

    Income limits vary by county and household size. We’ll assess your situation and let you know where you stand.

  • Can I use a USDA loan for a manufactured home?

    In some cases, yes — but it must meet specific guidelines. Contact us to discuss eligibility.

Ready to Buy in a Rural Area?

Let us help you unlock zero-down homeownership with a USDA Rural Housing Loan. Whether you’re buying your first home or relocating within Kentucky, we’re here to guide you every step of the way.