A USDA loan, offered by the United States Department of Agriculture, serves the primary purpose of providing affordable home financing options for rural and suburban homebuyers who meet certain criteria. These loans aim to promote homeownership in eligible areas by offering favorable terms such as low or zero down payment requirements and competitive interest rates. Additionally, USDA loans offer flexibility in terms of income requirements, making them accessible to moderate-income households who may not qualify for traditional financing. Overall, the goal of USDA loans is to support rural development initiatives and increase access to homeownership for individuals and families in designated rural communities.