USDA Form usda-rd-410-4 Form RD 410-4 (Rev 2025

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How long does USDA loan approval take? Depending on your situation, USDA loan approval can take several weeks to over a month generally, 30-60 days. Your loan officer should be able to give you a ballpark time frame.
USDA Rural Development (RD) is a mission area within the United States Department of Agriculture which runs programs intended to improve the economy and quality of life in rural parts of the United States.
Approved USDA loan lenders typically require a minimum credit score of at least 620 to get a USDA home loan. However, the USDA doesnt have a minimum credit score, so borrowers with scores below 620 may still be eligible for a USDA-backed mortgage.
USDA loans require that the property be in good condition and safe for occupancy. Homes may be disqualified due to: Structural Issues: Major problems with the foundation, roof, or overall structure. Safety Hazards: Exposed wiring, lack of smoke detectors, or other safety concerns.
The Loan Approval Official should review all of the documents contained in the case file to ensure that they are completed properly, and must confirm that the Loan Originators underwriting decision is sound. The Loan Approval Official must approve or reject the loan within 30 days of receiving a complete case file.

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Once youve signed a purchase agreement, the USDA loan application process typically takes around 30-45 days. The faster all parties work together to complete and provide documents for loan approval, the quicker final loan approval and closing can happen.

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