USDA Loans
Zero down financing for eligible addresses. Far more areas qualify than most people expect.
USDA loans are backed by the U.S. Department of Agriculture to support homeownership outside dense urban cores. They allow 100% financing — no down payment — with mortgage insurance costs that are typically lower than FHA.
The word ‘rural’ is misleading. Plenty of ordinary suburban neighborhoods on the edge of metro areas qualify. It costs nothing to have us check the address.
A good fit when…
- The property is in a USDA-eligible area
- Your household income is within the limit for that county
- You want to buy with no down payment
- You do not have VA eligibility
Worth knowing
- Both the property location and your household income must qualify
- Income limits count the whole household, not just borrowers on the loan
- The home must be your primary residence
- USDA loans carry their own guarantee and annual fees
Our take. Two checks decide it: the address and the household income limit. Send us the address you are considering and we will tell you within a few minutes whether USDA is on the table.
Not sure this is the right program?
Most people arrive certain they need one specific loan and leave with a better-fitting one. Tell us what you are trying to do and we will lay out the realistic options side by side — payment, cash to close, and total cost — so you can compare them honestly.
30-Year Fixed15-Year FixedAdjustable RateFHA LoansVA LoansJumbo Loans203k Renovation
Ready to see your real numbers?
Start a personalized quote request in about a minute. No credit pull, no obligation, no runaround.