USDA HOME LOANS

True zero-down financing!

USDA Rural Development Home Loan 

The United States Department of Agriculture, or USDA oversees a loan program designed to help buyers finance homes in rural and mostly rural areas. This program allows you to purchase a home with true zero-down financing so you can keep your cash in the bank.

USDA loans are limited to certain rural areas. Generally, according to USDA guidelines, it includes any areas with a population of less than 35,000. In fact, an estimated 97 percent of the U.S. is eligible for USDA lending. To see if the area you are shopping for a home in qualifies, visit the USDA Income and Property Eligibility site or contact one of our USDA loan experts directly.

*Programs not available in all areas. Additional terms and conditions may apply.

Possible USDA Benefits

  • Not limited to first time homebuyers
  • No down payment
  • 1% USDA required guarantee fee can be financed
  • Seller may contribute to buyer’s closing cost

USDA Qualifications

  • Property must be located in an eligible designated rural area
  • Brand new homes or existing properties are eligible
  • Annual income must meet eligibility guidelines
  • No cash reserve requirement