USDA Loans. Zero Down Payment.
Possible zero-down financing for eligible rural and suburban homebuyers.
Explore USDA loan options subject to household income, property eligibility, credit, underwriting, and program requirements.
Open our secure USDA form in a popup. No SSN required to start.
$0
Down when eligible
Income
Limits apply
Location
Eligibility required
NMLS
#466690
USDA Loan Options
Why Choose USDA Loans?
Compare USDA loans with other mortgage options and discover why they're the smart choice for rural and suburban homebuyers
USDA Loans
Rural Development Loans
FHA Loans
Federal Housing Administration
Conventional Loans
Traditional Mortgages
USDA Loans Save You Money
USDA Loan Payment Calculator
Estimate your monthly payments including USDA mortgage insurance
USDA Loan Calculator
Calculate your zero down payment USDA mortgage with detailed breakdowns
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This calculator is not a pre-qualification. A federally registered mortgage loan originator can explain the file.
Get Pre-QualifiedCalculator Disclaimer
This calculator provides estimates based on the information you enter and current market conditions. Actual loan terms, payments, and eligibility may vary based on:
- USDA property eligibility
- Income limits for your area
- Credit score and history
- Property type and location
- Current market rates
- Household size and income
Please consult with one of our USDA loan specialists for personalized loan options and accurate terms based on your specific situation. The results shown are for informational purposes only and do not constitute a commitment to lend.
Check Property Eligibility
Most of the United States is eligible for USDA loans. Check if your desired property qualifies.
Eligible Areas Include:
Quick Eligibility Check
Property Requirements:
- • Single-family primary residence
- • No income-producing features
- • Meets HUD minimum property standards
- • Adequate utilities and access
Borrower Requirements:
- • U.S. citizen or permanent resident
- • Income within area limits (115% of median)
- • Stable employment history
- • Minimum 640 credit score
USDA Loan Process
Our streamlined process makes getting a USDA loan simple and stress-free
Pre-Qualification
Quick assessment of your eligibility and loan amount
- Income verification
- Credit check
- Property eligibility
- Loan amount calculation
Application & Documentation
Complete loan application and gather required documents
- Loan application
- Income documentation
- Bank statements
- Employment verification
Property Appraisal
Professional appraisal to determine property value
- USDA-approved appraiser
- Property inspection
- Value determination
- Condition assessment
Underwriting Review
Final review of your application and documentation
- Credit analysis
- Income verification
- Property review
- Final approval
Closing & Funding
Sign documents and receive keys to your new home
- Final documents
- Closing costs
- Loan funding
- Home ownership
Understanding USDA Loans
USDA loans are mortgages backed by the U.S. Department of Agriculture, designed to promote homeownership in rural and eligible suburban areas. These loans offer 100% financing with no down payment required.
Key Features:
- No down payment required
- Lower mortgage insurance rates than FHA loans
- Competitive interest rates
- Flexible credit requirements
- Available for 30-year fixed terms
Program Requirements:
- Property must be in an eligible rural area
- Must be owner-occupied primary residence
- Income limits apply based on location
- U.S. citizenship or permanent residency
- Minimum credit score requirements
Did You Know?
Many suburban areas qualify for USDA loans. The program isn't limited to just remote rural locations.
Ready to Get Started?
Our mortgage team is here to help you navigate the process.
USDA Loan Resources & Tools
Everything you need to understand and apply for USDA loans
Guides & Articles
Calculators & Tools
Ready to Get Started with USDA Loans?
Our USDA loan specialists are here to help you every step of the way