USDA loans
Affordable home financing for rural communities
USDA loans make homeownership possible in eligible rural areas with zero down payment and low interest rates.


About USDA loans
Unlocking homeownership in rural America
USDA loans, backed by the U.S. Department of Agriculture, help low-to-moderate income buyers purchase homes in eligible rural areas with no down payment and flexible terms.
Check if you're eligible
- Property must be in an eligible rural area
- Income limits apply based on location and household size
- Minimum credit score requirements vary by lender
- Property must be a primary residence
Why choose an USDA loans?
- Zero down payment required
- Competitive interest rates
- Lower mortgage insurance premiums
- Flexible credit guidelines
USDA loans frequently asked questions
Do USDA loans require a down payment?
No, USDA loans offer zero down payment for eligible borrowers.
What areas qualify for USDA loans?
USDA loans are available for homes in designated rural areas, which can be checked through the USDA eligibility map.
Is there mortgage insurance with USDA loans?
Yes, but USDA mortgage insurance rates are typically lower than those of other loan types.

Is this a good time to get a loan?
If you're looking to buy a home in a rural community, now is a great time to explore USDA loans. Our team will guide you through the process and help you find the best option for your needs.
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