3555 21-2026

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The document is Form RD 3555-21, a request for a Single Family Housing Loan Guarantee from the United States Department of Agriculture's Rural Development. It includes sections for applicant and co-applicant information, loan details, income calculations, certifications, and privacy notices. The form is used by approved lenders to facilitate loan guarantees for individuals unable to secure conventional credit, ensuring compliance with agency requirements.

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Click ‘Get Form’ to open the 3555 21 in the editor.
Begin by filling in the Approved Lender information, including Tax ID, Contact, Email, and Phone Number.
Complete the Applicant and Co-Applicant sections with names, SSNs, and indicate if either is a Veteran.
Provide details about the Property Address and specify if this is a refinance loan. Select the appropriate options for loan type.
Document household income by listing all sources of income for each household member in the designated fields.
Fill out certifications and acknowledgments at the end of the form, ensuring all signatures are included before submission.

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2021	4.9 Satisfied (40 Votes)
2018	4.4 Satisfied (178 Votes)
2014	4.1 Satisfied (61 Votes)

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Got questions?

We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Why would someone get an USDA loan?

A USDA loan can be a good idea if youre looking to buy a home in a rural or suburban area. They are designed for buyers with moderate to low incomes who might not qualify for conventional loans. The main benefits of a USDA loan include competitive interest rates, flexible credit requirements, and zero down payment.

What are the disadvantages of a USDA loan?

USDA Loan Disadvantages: What are the downsides of a USDA loan? Income Limits. To qualify for a USDA loan, your household income must fall within 115% of the local median household income. Property Restrictions. Occupancy Requirements. USDA Program Fees. Longer Underwriting Timeline.

Do USDA loans have to be paid back?

Do USDA loans have to be paid back? Borrowers must make monthly payments unless the loan documents specify other repayment terms.

Does a rural development loan have to be repaid?

Loans obtained through USDA Rural Developments (RD) Single-Family Housing Direct Loan Program must be repaid. When a loan defaults in this program, it is subject to collection actions.

What is the downside to a USDA loan?

Property type limitations: You can only use a USDA loan for primary residences. Income-producing investment properties or vacation homes cannot be purchased with a USDA loan. Income limits: Even if youre interested in living in a rural area, you may earn too much to qualify for a USDA loan.

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What are the terms of a rural development loan?

The loan term must be 30 years. Loan terms less than 30 years are unauthorized.

Who pays closing costs on a USDA loan?

USDA loan closing costs include the origination fee, appraisal fee, title fee, attorney fees, and other mortgage-related expenses. Typically, USDA borrowers are eligible to buy a home with 0% down payment, but they must pay closing costs.

What would disqualify you from a USDA loan?

If you exceed the USDAs set income limits for your area and household size, you wont qualify. Property Eligibility: USDA loans are specifically for properties that the USDA has designated as rural. If the property isnt in an eligible area, it wont qualify for a USDA loan.