I would advise going right to the horse's mouth if you want correct and accurate information; so here I did it for you: Section 4-4 below is directly from the 4150.2 property valuation (FHA) manual (HUD.GOV) and clause 15 underneath that section is from the USDA FAQ's section answered by the people who determine the guidelines for the USDA program! The important points being the lending institution's Underwriter and the lender's risk management department have to be OK with the scenario, IE, it has to make sense...common and typical for the area doesn't hurt, but it's not necessary...the lot being undividable would certianly help the Underwriter to feel more comfortable. And with USDA, you don't want the value of the land to exceed 30% the total value of the property. Clearly, the Brokers posting below doesn't work with enough lenders since they can't find anyone to go above 10 acres...I work for the Mortgage Division of a large regional bank and we "due" (sic) loans on 10, 20, 30 and 40, etc. acres all the time with no overlays to pricing whatsoever:4-4 UNIQUE PROPERTY APPRAISALS (From the FHA 4150 Manual)Appraisers are sometimes faced with unique properties: a loghome, an extra small home, lower than normal ceiling heights,etc. Eligibility of these properties depends on whether or notthe property is structurally sound and readily marketable. If aproperty meets these criteria, the appraiser estimates marketvalue. However, depending on the uniqueness of a property, thefinal determination to accept or reject the property is made bythe lending institution's underwriter. Excess land is another area in which to exercise caution. Landis considered to be excess if it is: o larger than what is typical in the neighborhood AND o capable of a separate use o If there is excess land, describe it but do not value it. In this instance, the appraisal is based upon a hypothetical condition. A legal description of the portion being appraised is required.USDA FAQ #15Can USDA loans include acreage?Possibly. The acreage must not contain any income producing facilities (eg, a farm) and the value of acreage may not exceed 30% of the total property value.