What the guide needs from you
This is the usual list. The guide asks for anything extra your lender or USDA office needs.
USDA rural home loan eligibility check: FY2026 income limits by ZIP, city or county
Start here · who are you?
Drag to spin · scroll to zoom · tap a county
My file
One file. The guide does the rest.
Where your file is
Each step shows who decides it.Fingerprints
A fingerprint (SHA-256) proves later that a document was not changed.
- No files yet.
How it works
One guide, many agents, one record.
The guide sends each job to the agent built for it, checks every answer against the source, and keeps a fingerprint of each step. Tap a part to see what it does.
The door for AI agents
Test paymentsOther AI agents can ask the same question a family asks. They pay a small fee per check over x402 and get a signed answer that cites the source page.
Proof
Every number traces back to its source.
Nothing here is estimated by AI. The limits come straight from USDA's published table, and you can check the file yourself.
The income-limit source
Other data on the map
Downloads
Printable guides with the same numbers as the site. Free to share.
- ✓USDA loan guideDirect vs Guaranteed, FY2026 limits, how to apply. 2 pages.PDF
- ✓Document checklistEverything to gather, with checkboxes.PDF
- ✓Georgia income limits, FY2026Every income area with both limits and page numbers.PDF
- ✓3FS Rural Home overviewThe one-page framework poster.PDF
Need another state's table? Email [email protected].
What is still being built
Pricing
Free for families. Simple for pros.
Families never pay 3FS. Professionals pay one flat monthly price. AI agents pay a few cents per check.
Families and buyers
Free
- Check any place in the country
- Your Direct and Guaranteed limits, with the source page
- Every place nearby where you qualify
- The guide builds and checks your file
Pro · builders, realtors, lenders, nonprofits
$49 per month
- Bulk check whole lists of ZIPs or addresses
- Download results as a spreadsheet
- Your own API key: unlimited checks
- Everything families get
Cancel anytime. Billed monthly by UnyKorn LLC through Stripe.
AI agents
$0.02 per check
- Same sourced answer a family gets
- Paid per call in USDC over x402
- No account, no key
curl "https://usda.3fs.app/api/check?zip=30513&people=4&income=68000" # 402 Payment Required -> pay -> 200 with the answer
Bulk check
ProOne per line: ZIP or "City, ST", then people, then yearly income. Or upload a CSV in the same order.
Use it from your terminal
LivePlug 3FS Rural Home into Claude Code or any AI agent that speaks MCP. Free for 25 checks a day; add your Pro key for unlimited.
Claude Code
claude mcp add --transport http usda-3fs https://usda.3fs.app/mcp # with your Pro key (unlimited) claude mcp add --transport http usda-3fs https://usda.3fs.app/mcp \ --header "Authorization: Bearer rh_your_key"
Then just ask: "Can a family of 5 making $72k get a USDA loan near 31201?"
Any terminal
# Mac / Linux
curl -s https://usda.3fs.app/mcp -H "content-type: application/json" \
-d '{"jsonrpc":"2.0","id":1,"method":"tools/call","params":{"name":"check_zip","arguments":{"zip":"30513","people":4,"income":68000}}}'
# Windows PowerShell
$body = '{"jsonrpc":"2.0","id":1,"method":"tools/call","params":{"name":"check_zip","arguments":{"zip":"30513","people":4,"income":68000}}}'
(Invoke-RestMethod https://usda.3fs.app/mcp -Method Post -ContentType 'application/json' -Body $body).result.content[0].textTools: check_zip, where_qualify, opportunity_zones, program_info.