A USDA mortgage is a home loan that is guaranteed by the United States Department of Agriculture (USDA) and designed to help low- and moderate-income individuals and families in rural and suburban areas become homeowners. 

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One of the main advantages of a USDA mortgage is that it allows eligible borrowers to purchase a home with no down payment. This can be especially helpful for low- and moderate-income individuals and families who may not have a lot of money saved for a down payment or who may have difficulty coming up with the funds for a down payment.

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Another advantage of a USDA mortgage is that it has more lenient credit requirements compared to conventional mortgages, making it more accessible to borrowers with lower credit scores. In addition, USDA mortgages do not require private mortgage insurance (PMI), which can significantly reduce the overall cost of homeownership.

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A USDA mortgage also offers more flexibility in terms of property type. Borrowers can use a USDA mortgage to purchase a single-family home, a manufactured home, or a condominium in a USDA-eligible area.