John is correct with his info and I want to add another thing, you also need to qualify financially with USDA. They have income limits according to how many are in your household. So first you need to qualify and make sure you don't make too much money and not all lenders can do a USDA loan. Wells Fargo is one that does and I have sold several USDA homes since I have been in business. Just be careful with the companies that say "bad credit okay" and "we will finance" on some of the houses for sale in York Co. They charge really high rates and if you miss a payment, they take the house back and you lose all the money you have invested. Get a good buyer's agent and they can help you with finding the home that qualifies and finding the lender you can trust. Contact me and I would be happy to help you.