USDA is one of the best deals around, but it's a narrow box: the right area, moderate income, low debts and solid credit. Nine quick questions show where you stand and what to do next. No contact info required.
USDA is a narrow box. The checker tests your answers against its main requirements: an eligible address, household income under the standard 2026 limits, debt levels that fit USDA's tighter ratios, credit, recent credit events, other homes owned and property type. Each item is marked as a fit or a blocker, so you can see exactly what stands in the way.
Frequently asked questions
Is the USDA checker free?
Yes, and no contact information is required.
Why is debt flagged as the biggest risk?
USDA caps household income and holds most manual files to 29% and 41%, so high monthly debts are the most common reason USDA files fail.
What if my county has a higher income limit?
Use the income calculator with your county's exact limit.
What if one thing stands in the way?
Often it's fixable, like paying off a small debt. Send me your results.