Rural Housing (USDA)

When the countryside calls your name...

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.

Ready to get started? APPLY NOW.

To learn more about Rural Housing loan, including eligibility requirements, call 888-LOAN-391 (888-562-6391) or complete this CONTACT US form to receive a call from an APGFCU Mortgage Consultant.


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

1Subject to income and geographical eligibility.  

2Loan payment example: A USDA [101% Loan-to-Value (LTV)] loan of $180,000 for 30 years at 5.278% fixed-rate APR will have a principal, interest and private mortgage insurance payment of $1,001.00.
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.