Loan program
USDA Loan
0% down loans for eligible rural and suburban homes.
USDA loans are 100% financing options for low-to-moderate income buyers in eligible rural and suburban areas — a quietly fantastic program most borrowers have never heard of.
USDA loans are one of the best-kept secrets in mortgage finance. Created to support rural development, the program now covers most suburbs and small cities outside major metros.
Eligible buyers get 100% financing, below-market rates, and the lowest mortgage insurance costs of any government-backed loan. The catch: there's a household income cap and the property must be in an eligible area.
We'll quickly check whether your target property qualifies — most do — and walk you through whether USDA beats FHA or conventional for your specific scenario.
What it gives you
0% Down
No down payment required — like a VA loan but available to civilians.
Low Mortgage Insurance
USDA "guarantee fee" is significantly cheaper than FHA MIP.
Competitive Rates
USDA rates rival the lowest conventional rates available.
Closing Costs Can Roll In
When the appraisal supports it, closing costs can be financed.
How it runs, start to finish
- 1
Check Property Eligibility
We confirm the address falls inside a USDA-eligible zone.
- 2
Confirm Income Eligibility
Income limits vary by county; we verify against current USDA tables.
- 3
Apply & Underwrite
Submit a full application; USDA loans pass through a second review at USDA.
- 4
Close
Closings run 30–45 days due to the USDA second review.
Questions people ask about this one
Is my area eligible?
Most of the U.S. outside major metros is eligible. Check the USDA eligibility map or ask us to check your address.
What's the income limit?
Limits are county-specific and household-based. For most counties, household income up to $110,650 qualifies; some go higher.
Are there property requirements?
Property must be modest, owner-occupied, and in good condition. No income-producing farms or commercial uses.
How does it compare to FHA?
USDA usually wins on cost (0% down, lower MI) when eligible. FHA wins on flexibility — works anywhere, looser credit guidelines.
Programs people look at next
The first step is a conversation, and it costs nothing.
No documents, no credit pull, no obligation afterwards. Just somebody explaining the part you are stuck on.
Or call(503) 555-0175and ask for whoever is free.
