USDA Program
USDA Loan
Zero down in eligible rural and suburban areas.
USDA loans are backed by the U.S. Department of Agriculture and offer 100% financing for eligible properties in designated rural and suburban areas.
0%
Min Down Payment
640
Min Credit Score
41%
Max DTI
Key Features
- No down payment required
- Below-market interest rates
- Low mortgage insurance costs
- Closing costs can be financed or paid by seller
- Available in eligible rural and suburban areas
Ideal For
- Buyers in rural and suburban areas
- Low-to-moderate income households
- First-time and repeat homebuyers
- Those seeking $0 down options outside VA
Weighing Your Options
Advantages
- No down payment
- Low interest rates
- Low insurance costs
- Seller can pay closing costs
Considerations
- Geographic restrictions
- Income limits apply
- Primary residence only
- Guarantee fee required
What You'll Need
- Property must be in USDA-eligible area
- Household income within USDA limits (115% of area median)
- Minimum 640 credit score recommended
- Primary residence only
- Guarantee fee required (can be financed)
Apply for USDA
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Explore Other Programs
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VA
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Conventional
Flexible terms. Competitive rates. The standard in home financing.
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Non-QM
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Questions about USDA loans?