Vacant Land Loans
Buying land is often the first step toward building a home, a vacation retreat, or a future investment property. At USA Loans, our vacant land loans are designed for buyers who want to secure the right lot today and build on their own timeline.
Whether you’re looking at a residential parcel, a recreational property, or a vacant lot for a future project, we help you finance the land with clear terms and a simple process.
Get Your Vacant Land Loan Started
Tell us about the land you want to buy and your plans for it. A loan specialist will contact you to review your options and explain the next steps.
15+ years helping buyers finance vacant land with confidence.
Why Choose USA Loans?
Borrowers choose USA Loans for vacant land financing because we understand that land loans work differently from traditional mortgages.
- Experience with vacant land, vacant lot loans, and land loans
- Straightforward terms and clear explanations
- Flexible income documentation options
- Support for large parcels with no maximum acreage
- Guidance from application to closing
What Is a Vacant Land Loan?
A vacant land loan is financing used to purchase a parcel of land without an existing home on it. These loans, also called vacant lot loans or simply land loans, help you secure the land now even if you plan to build later.
They are ideal for buyers who already know the area where they want to live or invest and prefer to design their own project instead of buying a finished home.
How Do Vacant Land Loans Work?
Vacant land loans work similarly to a mortgage but come with different terms and requirements. Because there is no house on the property yet, lenders focus more on your credit profile, down payment, and how the land will be used.
Vacant Land Loan Requirements
To qualify for a vacant land loan with USA Loans, you typically need:
- Minimum Credit Score: 660 (TransUnion)
- Minimum Loan Amount: $100,000
- Down Payment: 35% to 40% of the sales price
- Property Use: Purchase only, zoned residential or recreational
- Income Documentation Options: Full documentation, P&L or Bank statements
These requirements help us evaluate your ability to repay while giving you flexible ways to document income.
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