FOR HOME BUYERS
USDA Loan: 100% Financing for Rural & Suburban Homes
USDA loans are zero-down mortgages backed by the U.S. Department of Agriculture. They help eligible low-to-moderate income families purchase homes in rural and suburban areas with favorable terms and low mortgage insurance.
Key Benefits:
100% Financing
No down payment required.
Lower MI
Cheaper than FHA or conventional mortgage insurance.
Competitve Fixed Rates
Backed by government guarantees
Rural Focus
Great for expanding communities and small towns.
Guidelines for this Loan
If your details are close to these guidelines, we encourage you to apply or contact us. Even if you don’t qualify for an adjustable-rate mortgage, we could have other options for you.
Estimate and Explore
Calculators are a great way to learn and see what’s possible.
Down Payment Calculator
Learn how much cash you need to buy the home in your mind.
Get More In-Depth Details
Articles that give you more information about this loan and explain how mortgages work.
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Frequently Asked Questions
Answers to questions about this loan we heard from people like you during research.
How Do I Know If a Home Qualifies?
Use the USDA eligibility map online or ask our team to check for you.
Are There Income Caps?
Yes. They vary by household size and location but typically cap at 115% of area median income.
Do I Have to Be a First-Time Buyer?
No. USDA loans are available to all eligible buyers.
Can I Use It for New Construction?
Yes, if the home meets USDA guidelines and the builder is approved.
Is Mortgage Insurance Required?
Yes, but it’s much lower than FHA’s and is paid monthly.
