Zero down payment financing for eligible rural and suburban homebuyers. Backed by the U.S. Department of Agriculture, this program makes homeownership accessible in qualifying areas.
0%
No down payment required for eligible borrowers.
640+
Lower scores may qualify with manual underwriting.
Upfront Fee
No monthly PMI. Just a one-time guarantee fee.
Overview
USDA loans are backed by the U.S. Department of Agriculture through its Rural Development Guaranteed Housing Loan Program. The government guarantee reduces the lender's risk, allowing borrowers to purchase a home with zero down payment and secure below-market interest rates.
Designed for low- to moderate-income buyers in eligible rural and suburban communities, USDA loans remove the down payment barrier while keeping monthly payments competitive. They are one of the most affordable paths to homeownership in rural areas.
Finance up to 100% of the appraised value — no down payment required for eligible borrowers
Credit guidelines are more forgiving than conventional loans, with options for borrowers rebuilding credit.
USDA-backed loans typically offer lower-than-market interest rates because of the government guarantee.
Unlike FHA, USDA loans carry an upfront guarantee fee but no monthly mortgage insurance premium.
Eligibility
Get pre-approved and see what rate you qualify for. No obligation, no hard credit pull until you're ready.
