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USDA length of primary residency required

Valued Contributor

USDA length of primary residency required

I would like to get a USDA mortgage for a house that I may initially live in, but will ultimately end up renting out. My question is: how long would I have to personally live in it and what is the verification process like that proves that it is my primary residence; and what type of penalty do I face if I move out and decide to rent it out before the date that is the answer to my first question?

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Established Member

Re: USDA length of primary residency required

I've applied for a USDA guaranteed loan. I've not closed yet and not sure I will get to but the papers I was sent and had to sign and send back to my broker says that it must be my primary residence for at least a year. Hope that helps.

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