Mortgage Navigator • USDA Property & Special Transactions

USDA New Construction

USDA Guaranteed can support new residential construction, but the transaction structure and lender participation matter.

New construction is an eligible use

USDA's Guaranteed program allows financing for eligible new residential property. Lender and construction documentation requirements apply.

Construction-to-permanent is specialized

Not every USDA lender offers single-close construction-to-permanent financing. Program eligibility and lender product availability are separate questions.

Do not confuse this with repair financing. USDA's rehab feature for an existing dwelling has different eligibility rules than financing a newly constructed home.

Official USDA baseline

USDA Guaranteed Program · USDA Lender Training

Educational summary. Current handbook, GUS findings and approved-lender requirements control the actual transaction.