Zero-down for eligible rural and suburban areas.
USDA Rural Development loans, no down payment in qualifying areas.
USDA.
USDA loans are one of the most under-used programs in residential lending. They offer 100% financing in qualifying areas (which often include outer suburbs, not just truly rural land) with mortgage insurance that's lower than FHA. In a qualifying zone, they frequently produce the lowest monthly payment of any option.
- ✓Buyers in outer suburbs or small towns
- ✓Borrowers with modest down-payment savings
- ✓Households under the program income limits
Both property and buyer have to qualify. We can check USDA eligibility for any address in minutes.
USDA has household income limits that scale with family size and county. Many middle-income families still qualify.
Questions we get about usda.
Is my property USDA eligible?
Plenty of suburbs are USDA-eligible even though they don't feel rural. Send us any address and we'll check it in minutes.
What are the income limits for USDA?
USDA sets household income limits by size and county median income. We'll confirm eligibility when we pre-approve you.
Start a usda pre-approval.
Apply with either LO, both handle it.