Loan Options

USDA Loans

“Zero-down financing for eligible rural and suburban homes.”

USDA loans are backed by the U.S. Department of Agriculture to help buyers purchase in eligible rural and many suburban areas. For qualified borrowers within the program's income limits, a USDA loan can offer 0% down.

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Who it may be a good fit for

Buyers purchasing in a USDA-eligible area (many suburban areas qualify, not just farms)
Households whose income falls within the program's limits
Buyers of a primary residence

Key things to know

Both the property location and your household income must meet USDA eligibility
Guarantee fees apply (an upfront fee and an annual fee)
Not available for investment properties or second homes

What you'll typically need

Income documentation for the whole household
Bank and asset statements
Photo ID and details on your monthly debts

Last reviewed: July 2026. This page is general education, not a loan approval or commitment to lend; program details vary by lender and can change. Learn more from USDA Rural Development.

Good to Know

USDA Loans FAQs

How do I know if a home is USDA-eligible?

Eligibility is based on the property's location and your household income. I can quickly check an address and your numbers against the current USDA maps and limits.

Is USDA only for farms or the country?

No — many suburban and smaller-town areas qualify. People are often surprised how many locations are eligible.

Does USDA require a down payment?

For qualified borrowers, USDA can offer 0% down, though guarantee fees apply.

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