PrimeLending A Plains Capital Company is offering 100% financing through the USDA for qualified home buyers in Rural Communities of less than 10,000.00 people. To qualify a family of 1-4 can earn up to $73,600.00 annually and families of 5 and above can earn as much as $97,150.00 annually. Typical application to closing times are 30 days. An applicant must have a credit score of at least 620 and meet the standard debt ratio guidlines for the loan amount. Notice the flyers below along with a sample prequalification application.