If the seller accepts and the odds are less than 220k or more than 240k, would the Usda loan be refused if it came back more or less than the sale price? I have a loan from Usda, I want to make additional payments. Is this credit a non-flexible or flexible credit? Question: Does the USDA program have a credit limit or a cap on the amount I can buy? D. McCoy – Nashville, TN It doesn`t matter, you just need to make sure that the accommodation address is eligible for the USDA. eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do answer: The 1.0% USDA guarantee fee (as of 2021) is the one-time fee charged by USDA Rural Housing. All state credit programs, such as USDA, VA, and FHA mortgages, require one-time financing fees to maintain programs and limit losses.