Yes, you can use a USDA loan to buy in another state. Two things have to line up: a properly licensed lender and proof you'll actually live there. - Licensing. Mortgage licensing runs state by state, so your current lender can only help if they hold a license where the home is. If they don't, you'll need one who does. - Occupancy. USDA is strictly an owner-occupied program, so underwriting needs to see that the move and the occupancy are real, not hypothetical. In a relocation, that usually means one of two things: an employer confirming in writing, on the verification of employment, that you're allowed to work remotely from the new state, or actual employment lined up in the new area for after you move. Beyond that, the usual USDA rules still apply. The property has to sit in a USDA-eligible area, and your income has to fall within the program's limits for that location. Both the eligibility maps and the income limits get updated periodically, so confirm the current versions. If remote work is the plan, get that written employer confirmation squared away early. It's often the piece that holds up a relocation file.