Why First-Time Buyers in Horace, ND Should Know About USDA Loans

Why First-Time Buyers in Horace, ND Should Know About USDA Loans 

Buying your first home can feel overwhelming—especially with rising home prices, high interest rates, and uncertainty about where to start. But if you're looking to buy real estate in a rural community like Horace, North Dakota, there's some good news: USDA loans might be the perfect fit to help you step into homeownership—with zero down payment.

What Is a USDA Loan?

A USDA loan is a government-backed mortgage that makes buying a home in eligible rural areas more accessible. It's designed to support low-to-moderate income buyers, especially first-time buyers, by offering:

✅ No down payment required
✅ Competitive interest rates
✅ Reduced mortgage insurance costs
✅ Flexible credit guidelines

Is Horace Eligible?

Yes! Horace is considered a rural area under USDA guidelines, which means many properties here qualify. We have agents in our office who are very familiar with the Horace market and USDA loan eligibility, and they can offer personalized assistance for any questions you may have!  You can also check specific addresses using the official USDA eligibility tool:
👉 USDA Eligibility Site

Why This Matters for First-Time Buyers

According to the 2025 NAR Generational Trends Report, most first-time buyers today are ages 26–34. This group values agent experience and personalized guidance—especially when it comes to navigating assistance programs like USDA loans.

As one mid-20s renter recently shared:

“I don’t think I’ll ever be able to own a home.”
That kind of thinking is common—but often based on misinformation or lack of awareness about programs that exist specifically to help.

If you or someone you know is in that boat, this is your sign to explore what’s possible. 

Your Next Step

If you're curious whether you qualify—or want help understanding the process—I’d love to walk you through it. I also recommend this helpful resource for first-time homebuyers for tips and tools that make the journey easier.

Bottom line:
If you’ve been wondering whether owning a home in Horace is within reach—don’t count yourself out. With the right information and support, you might be closer than you think.

Ready to chat? I’d love to help you explore your options!

Christopher Leigh
Vision Realty

701-715-4747