USDA Loans
USDA Loans100% Financing for Rural & Suburban Homes
USDA loans offer zero down payment financing for eligible properties in rural and suburban areas, with competitive rates and flexible credit requirements.
What is a USDA Loan?
USDA loans are backed by the U.S. Department of Agriculture and designed to promote homeownership in rural and suburban communities. They offer 100% financing with no down payment required.
Zero Down Payment
100% financing - no down payment needed
Low Mortgage Insurance
Lower than FHA mortgage insurance rates
Flexible Credit
More lenient credit score requirements
Competitive Rates
Low interest rates for qualified borrowers
USDA Loan Quick Facts
Down Payment
0%
100% financing available
Minimum Credit Score
640
May vary by lender
Property Location
Rural/Suburban
See USDA eligibility map
Income Limits
Apply
Based on area median income
Property Type
Primary Only
Must be primary residence
USDA Loan Requirements
Borrower Requirements
- •Credit score typically 640 or higher
- •Income at or below area limits
- •U.S. citizenship or legal residency
- •Debt-to-income ratio under 41%
- •Adequate and dependable income
Property Requirements
- •Located in USDA-eligible area
- •Must be primary residence
- •Modest home (meets size limits)
- •Pass USDA appraisal
- •Single-family homes only
Check if your desired property is in a USDA-eligible area:
Check Property EligibilityReady for a USDA Loan?
See if you qualify for 100% financing with a USDA loan. Our experts will help you navigate the process.