The USDA Streamlined-Assist refinance, step by step
Loan age and payments
Assist note
The existing USDA loan must have closed at least twelve months before the refinance, and payments over the past twelve months must have been on time. A payment thirty or more days late in that window generally means waiting. Lenders check your mortgage payment history rather than re-underwriting your whole file.
Last reviewed against the primary sources listed below.
Count your months
- Find your original closing date.
- Check twelve months of payment records.
- Note any late payment and when it ages out.
Streamlined-Assist questions
How soon can I refinance a USDA loan?
For Streamlined-Assist, after the loan has been closed at least twelve months with on-time payments.