USDA Renovation Loans: Limited vs Standard (2026 Guide)
USDA Renovation Loan: The Short Version
A USDA Renovation Loan lets eligible buyers or homeowners purchase or refinance a rural home and finance repairs into one 30-year fixed-rate mortgage. These loans are for owner-occupied, 1-unit primary residences, and borrowers typically need a minimum 620 credit score. You can choose USDA Limited Renovation (up to $35,000 in non-structural repairs) or USDA Standard Renovation (structural repairs and/or projects over $35,000 with no repair cap, subject to the maximum loan amount).
