Zero-down financing for rural & suburban homes.
USDA loans offer 100% financing for eligible homes in qualifying areas — a powerful path to ownership with no down payment.
Not sure this is the right fit? We'll compare it against every option — in-house and across 109+ lenders — and tell you straight.
Talk to an expert| Down payment | 0% in eligible areas |
|---|---|
| Geography | Property must be in a USDA-eligible area |
| Income | Household income limits apply |
| Mortgage insurance | Guarantee fee + annual fee (lower than FHA) |
| Occupancy | Primary residence |
Guidelines shown are general program parameters and can vary by borrower, property, and investor requirements — ask us about your specific scenario. Not a commitment to lend.
USDA maps define eligible areas — and many suburban neighborhoods qualify. We'll check your specific address.
Yes, based on household size and county. We'll confirm quickly whether you fit.