Can You Get a Cosigner for a USDA Home Loan?

Regrettably, individuals applying for a USDA-guaranteed loan cannot enlist a cosigner to assist with credit qualification.

According to the USDA guidelines, this practice is not allowed.

SECTION 2: REPAYMENT INCOME [7 CFR 3555.152(a)] 9.7 OVERVIEW

Repayment income will determine if the applicant(s) has sufficient income to repay
the mortgage in addition to recurring debts. Repayment income calculations often differ from annual and adjusted annual income.

Repayment income is the stable and dependable income of the applicants who will be parties to the note. Co-signers and non-occupant co-borrowers are not permitted for a guaranteed loan transaction.

The guidelines can be found in the USDA:
https://www.rd.usda.gov/files/hb-1-3555.pdf (underwriting manual on pages 9-9)