USDA-Backed · Government-Guaranteed

$0 Down 100% Financing

USDA home loans let you buy in eligible rural and suburban areas with no down payment and 100% financing — a government-backed program built for buyers outside the big metros.

$0 down payment — 100% financing
Lower monthly mortgage insurance than FHA
Competitive 30-year fixed rates
Eligible in rural areas & many suburbs — you may be surprised
Government-backed program · purchase or refinance

20+ yrs lending

NMLS #1281

BBB A+ rated

$0 down

100% financing

Talk to a USDA Loan Specialist (833) 350-9185

100% financing for eligible areas

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Check Your USDA Eligibility

30 seconds · No credit pull

Purchase or Refinance?

Property State

Is the property in a rural or suburban area?

Purchase Timeline

Estimated Credit Range (optional)

Is Your Property Eligible?

USDA eligibility is about location and income — and more areas qualify than most buyers expect. We’ll check your exact address.

Rural Areas

Small towns and the countryside are the heart of the USDA program. If you’re buying outside a major metro, there’s a strong chance the address qualifies.

Many Suburbs Qualify

USDA isn’t only farmland — a lot of suburban neighborhoods on the edge of metro areas are eligible. The map surprises people. We’ll confirm your address.

Income Within Limits

USDA loans use household income limits that vary by area and family size. Moderate-income households often qualify — we’ll check where you land.

Talk to a USDA Loan Specialist (833) 350-9185

USDA Loan FAQ

The questions buyers ask before they call.

Do I really need $0 down?

Correct — eligible USDA borrowers can finance 100% of the purchase price with no down payment. It’s one of the few true zero-down programs available.

Does my property have to be on a farm?

No. USDA is for primary-residence homes in eligible areas — that includes plenty of small towns and suburban neighborhoods, not just farmland. We’ll check your exact address against the eligibility map.

How do I know if my area qualifies?

Eligibility is based on the property’s location. Many more areas qualify than people expect. Tell us the address (or just the state to start) and we’ll verify it for you.

Are there income limits?

Yes. USDA uses household income limits that vary by county and family size. They’re aimed at low-to-moderate income households — many buyers qualify. We’ll check your situation.

Is there mortgage insurance?

USDA has a guarantee fee and an annual fee, but the ongoing cost is typically lower than FHA mortgage insurance — which helps keep your monthly payment down.

What credit score do I need?

There’s no single universal minimum, but lenders apply their own guidelines. Call (833) 350-9185 and we’ll review your specific scenario.

Can I use USDA for a refinance?

Yes — if you have an existing USDA loan, there are streamlined refinance options to lower your rate. We’ll walk you through what you qualify for.

Do I have to live in the home?

Yes. USDA loans are for your primary residence — the home you’ll live in. They’re not for investment or vacation properties.

How long does closing take?

Typical timelines run 21–30 days from a complete file. USDA files include an agency review step; we manage it so your loan keeps moving.