Who this may fit
- Eligible moderate-income households
- Primary residences in USDA-approved areas
- Buyers seeking a low-cash-to-close option
- Qualifying rural and suburban home purchases
Eligible rural communities
USDA Mortgages
Possible zero-down-payment financing for eligible buyers purchasing a primary residence in an approved area.
A strategy built around you
More options. Clear guidance.
USDA loans are designed to support homeownership in eligible rural and suburban communities. Both the borrower and property must qualify, so we check the address and household income early.
Options we can explore
- Possible zero-down-payment purchase financing
- Fixed-rate mortgages
- Eligible seller contributions
- Financing of the allowable guarantee fee
What to consider
- Household income limits apply
- Property-location eligibility is required
- The home must be a primary residence
- Annual and upfront fees may apply
Common questions
Helpful answers before you begin.
Is USDA only for farms?
No. USDA financing is commonly used for ordinary homes in eligible rural and suburban communities. The property does not need to be a working farm.
How do I know whether a home qualifies?
USDA provides an eligibility map based on the property address. We can check the location and household income before you move forward.
Can USDA really require no down payment?
Eligible buyers may finance 100% of the approved purchase price. Closing costs and other funds may still be needed unless covered through permitted sources.
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