USDA Loans

Zero down payment financing for homes in eligible rural and suburban areas.

Program Overview

USDA loans are backed by the U.S. Department of Agriculture and are designed to promote homeownership in rural communities. Despite the name, many suburban areas also qualify.

This is one of the only remaining 0% down payment programs available to non-military borrowers. It offers very low interest rates and low mortgage insurance costs, making it an incredibly affordable option for those who qualify.

Key Benefits

0% Down Payment

Finance 100% of the home's purchase price. No down payment required.

Low Mortgage Insurance

USDA guarantee fees are significantly lower than FHA mortgage insurance premiums.

Competitive Rates

Enjoy some of the lowest fixed interest rates on the market.

Flexible Credit

Guidelines are often more flexible than conventional loans.

Standard Requirements

  • Location: The property must be located in a USDA-eligible area (check the map with us!).
  • Income Limits: Household income cannot exceed 115% of the area median income.
  • Credit Score: Typically 640+ for streamlined processing, though lower scores may be considered manually.
  • Occupancy: Must be your primary residence.

Documents Needed to Apply

  • Pay stubs for the last 30 days
  • W-2 forms for the last 2 years
  • Bank statements for the last 2 months
  • Proof of all household income (even non-borrowers)
  • Copy of driver's license
  • Social Security number

Check Your Eligibility

Find out if your dream home is in a USDA-eligible area.

Check USDA Eligibility