100% FINANCING FOR ELIGIBLE HOMEBUYERS
Unlock Homeownership with a USDA Loan
Explore USDA home financing designed to help eligible buyers purchase qualifying homes in eligible areas—with options that may include 100% financing and no down payment.
Start Your ApplicationUSDA LOANS EXPLAINED
A Path to Homeownership with No Down Payment
USDA loans are designed to help eligible homebuyers purchase a primary residence in qualifying rural and suburban areas. For borrowers who meet the program requirements, USDA financing may offer 100% financing, meaning no down payment may be required.
Unlike conventional financing, USDA loans have specific eligibility requirements based on factors such as the property location, household income, and borrower qualifications. The home must also be used as your primary residence.
USDA LOAN HIGHLIGHTS
✓ No Down Payment May Be Required
✓ 100% Financing for Eligible Borrowers
✓ Available in Eligible Rural & Suburban Areas
✓ Designed for Primary Residences
✓ Flexible Credit Qualification Guidelines
✓ Competitive Fixed-Rate Financing Options
Eligibility requirements apply. Property location, household income, credit, and other program guidelines are considered when determining USDA loan eligibility.
USDA ELIGIBILITY
Who May Qualify for a USDA Loan?
USDA loans have specific borrower, income, property, and occupancy requirements. Eligibility depends on your individual financial situation as well as whether the home and household meet applicable USDA program guidelines.
Eligible Property Location
The home must be located in an area that meets USDA geographic eligibility requirements. Eligible areas can include many rural communities as well as some suburban locations.
Household Income Eligibility
USDA loans have household income limits that vary by location and household size. Your total household income must fall within the applicable program limits for the property area.
Primary Residence Requirement
The property must be used as your primary residence. USDA financing is not designed for vacation homes or investment properties.
Borrower Qualification
Borrowers must meet applicable USDA and lender requirements for credit, income stability, debts, and the ability to repay the mortgage.
THE USDA ADVANTAGE
Why Buyers Consider USDA Financing?
For eligible homebuyers, USDA financing can make homeownership more accessible by reducing one of the biggest upfront hurdles—the down payment—while offering a long-term fixed-rate mortgage option.
No Down Payment
Eligible borrowers may finance up to 100% of the home’s purchase price, helping reduce the amount of cash needed upfront.
Lower Upfront
With no down payment required for eligible borrowers, USDA financing can help reduce one of the largest upfront costs of buying a home.
Fixed-Rate Financing
USDA loans offer fixed-rate financing, helping provide predictable principal and interest payments over the life of the loan.
More Areas May Qualify Than You Think
USDA-eligible areas aren’t limited to remote farmland. Many smaller communities and some suburban areas may meet USDA property-location requirements.
YOUR USDA LOAN ROADMAP
How the USDA Loan Process Works
USDA financing has a few additional eligibility requirements, but the homebuying process itself follows a familiar path. I’ll help you understand each step and determine whether USDA financing fits your goals.
01
Check Your Eligibility
Review household income, property location, occupancy, credit, and other USDA program requirements to see whether USDA financing may be an option.
02
Get Pre-Approved
Review your income, assets, credit, debts, and other qualifying information to determine your financing options and establish a potential homebuying budget.
03
Find an Eligible Home
Work with your real estate agent to find a home that fits your needs and is located within a USDA-eligible area.
04
Complete the Loan Process
Your loan moves through processing and underwriting, where your financial documentation, property information, appraisal, and applicable USDA requirements are reviewed.
05
USDA Review & Approval
Once applicable lender requirements are satisfied, the loan proceeds through the required USDA review and approval process before moving toward closing.
06
Close & Get the Keys
Complete your final closing documents, satisfy any remaining requirements, and once the loan funds and the transaction is completed, it’s time to get the keys to your new home.
USDA PROPERTY ELIGIBILITY
“Rural” May Be Closer Than You Think
USDA property eligibility extends beyond what many buyers picture as “rural.” Depending on the area, eligible locations may include smaller towns, communities outside major metropolitan centers, and some suburban areas.
Have a property in mind? I can help you determine whether the location may meet USDA eligibility requirements and whether USDA financing could fit your situation.
Check A Property With MeREADY TO EXPLORE USDA FINANCING?
Let’s See If a USDA Loan Fits Your Homebuying Goals
Whether you’re wondering if your income qualifies, checking a property location, or ready to start the homebuying process, I’ll help you understand your options and determine whether USDA financing may be right for your situation.
