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Home loans with up to 100% financing for homebuyers in eligible rural areas

Loan Programs > USDA Home Loans

USDA Loan Quick Facts

0% Down

Minimum Down Payment


Minimum Credit Score


Max Debt-to-Income Ratio

What is a USDA Home Loan?

The USDA Home Loan Program provides up to 102% financing (the purchase price and guarantee fee) for low- to moderate-income homebuyers wanting to buy a home in a rural development area. USDA Home Loans are affordable and backed by the federal government. Qualified program participants must purchase a home in an eligible rural area, as defined by the U.S. Department of Agriculture, and have a household income that does not exceed the established limits where the home is located.

What are the benefits of the USDA Home Loan?

USDA Home Loans offer the following features:

  • Eligible properties include single-family homes, new construction, modular homes, planned unit developments (PUDs), and eligible condominiums.
  • Down payment: Minimum is 0%. The one-time USDA guarantee fee can be included in the loan financing. Mortgage insurance is required.
  • Borrower’s income: Can’t exceed the USDA Rural Development limits for the area.
  • Gifts and grants permitted from family or government assistance agencies.
  • Other requirements and conditions apply.

Who may benefit from the USDA Home Loan?

A USDA Home Loan may the right fit for you if:

  • You’re a first-time or repeat homebuyer.
  • You want a 0% down payment.
  • You’re interested in buying or building a home in an eligible “rural area,” which includes many suburban areas fairly close to cities.
  • You’re a low- to moderate-income buyer.

Meet Your Mortgage Expert for
USDA Home Loans

Arnold Herrera

Loan Officer | NMLS #1690024

It’s my duty to make sure that every client has a great experience in one of their major milestones in their lives. My tenacity has helped many clients achieve home ownership and I’m here to do the same for you and your family.

Corp NMLS #214519 | Equal Housing Lender

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Is a USDA Loan right for you?

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