Every refinance option for a USDA home loan, compared
USDA and consumer sources
Compared
Countryside Refi Compare summarizes USDA Rural Development's program pages and HB-1-3555 handbook, and CFPB and Fannie Mae guidance on the alternatives. It is not a government website.
Last reviewed against the primary sources listed below.
Updates
USDA updates its handbook and fees; the date at the top shows our last comparison.
USDA and consumer sources
- USDA Rural Development: Single Family Housing Guaranteed Loan Program
- USDA HB-1-3555 Guaranteed Loan Technical Handbook
- USDA Rural Development: State offices
- CFPB: Conventional loans
- CFPB: FHA loans
- CFPB: What is private mortgage insurance?
- CFPB: Home equity loans, cash-out refinances and other options similar to a HELOC
- CFPB: What is a debt-to-income ratio?
- CFPB: Do I have the right to receive a copy of my home appraisal?
- CFPB: Loan Estimate explainer
- Fannie Mae Selling Guide B2-1.3-03: Cash-out refinance transactions