Loan Programs
USDA Loans
USDA loans offer zero-down-payment financing for homes in eligible rural and suburban areas. Backed by the U.S. Department of Agriculture, these loans help moderate-income borrowers achieve homeownership in qualifying locations across the country.
Program Features
Zero down payment required
Low mortgage insurance rates
Below-market interest rates
No loan amount limits (area-based)
30-year fixed rate terms
Closing costs can be rolled into loan
Flexible credit requirements
Available for eligible rural and suburban areas
Frequently Asked Questions
What areas qualify for USDA loans?
USDA loans are available in rural and many suburban areas. Approximately 97% of the U.S. land mass qualifies. You can check eligibility on the USDA's online map tool.
What are the income limits for USDA loans?
Income limits vary by location and household size but are generally set at 115% of the area median income. A family of 4 in many areas can earn up to $110,650 and still qualify.
Do USDA loans have mortgage insurance?
Yes, but rates are lower than FHA. USDA charges a 1% upfront guarantee fee and a 0.35% annual fee — significantly less than FHA mortgage insurance.
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