You need to make sure your loan officer is familiar with USDA loans.
Be sure to look where "rural" is located. It is not always as "rural" as you think. New housing developments in Charles County and Calvert County in Maryland qualify for USDA loan programs.
Link is for determining if a property is eligible for a USDA loan
List link is for income requirements for USDA loans. Your loan officer can help you figure this out.