USDA Home Loan

100% Financing for Rural Areas

Zero down payment. Lower mortgage insurance. Affordable homeownership in eligible rural areas.

Get Pre-Qualified for a USDA Home Loan Today

Check your USDA eligibility and explore zero down payment financing options today.

What Is a USDA Home Loan?

A USDA loan is a government-backed mortgage program supported by the United States Department of Agriculture (USDA). It is designed to promote homeownership in eligible rural and suburban areas by offering zero down payment financing and competitive interest rates.

USDA loans are intended for primary residences only and have income eligibility requirements.

USDA Loan Features

Qualified borrowers may finance up to 100% of the home's value — no down payment required.
Lower Mortgage Insurance
The property must be located in a USDA-eligible rural area.
USDA loans are designed for low- to moderate-income households. All household income is considered when determining eligibility.
Borrowers must be U.S. citizens or eligible permanent residents.

USDA Loan Requirements

To qualify for a USDA mortgage, lenders typically review:

Credit score

Often 640+ guideline

Property located in eligible rural area

Household income within USDA limits

Stable employment and income verification

Does My Property Qualify for a USDA Loan?

USDA eligibility depends on two main factors:

USDA Loan FAQs

Common questions about USDA Loans

Is a USDA Loan Right for You?

A USDA loan may be ideal if:

You want zero down payment
You’re purchasing in a rural or suburban area
Your household income meets USDA guidelines
You want lower mortgage insurance than FHA

Do USDA loans require a down payment?

No. USDA loans offer 100% financing for eligible borrowers.

Are USDA loans only for rural areas?

Yes. The property must be located in a USDA-approved area, which may include some suburban communities.

Can I use a USDA loan for an investment property?

No. USDA loans are intended for primary residences only.