The United States Department of Agriculture (USDA) functions as a guarantor for all USDA loans. Contrary to popular belief, USDA loans are available not just for eligible rural homebuyers, but for homebuyers in suburban areas of large cities as well. In addition, they are also made available to residents of towns where populations do not exceed 25,000.
You may benefit by looking at what USDA loans have to offer if you plan to purchase a home on the outskirts of a big city because you can find eligible areas that are within commuting distances of major metropolitan regions.