USDA Rural Development Loans
Zero down payment financing for eligible rural and suburban homebuyers. More areas qualify than you might think.
USDA Loan Benefits
Zero Down Payment
Buy a home with no money down in eligible areas.
No PMI
No private mortgage insurance required, unlike conventional loans.
Low Rates
Competitive interest rates backed by the USDA.
Rural & Suburban
Available in many areas outside major cities—more than you might think.
USDA Loan Requirements
- Property must be in a USDA-eligible area
- Household income within area limits (typically 115% of median)
- Credit score of 640+ (some flexibility available)
- Must be your primary residence
- U.S. citizen or eligible non-citizen