USDA

A rural housing option for eligible households and locations.

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How it works

USDA loan overview

USDA-backed purchase loans can provide no-down-payment financing for eligible primary residences in qualifying areas. Household income and property location matter.

Who may want to explore it

Buyers whose household income and property meet USDA rules.

Features to review

A qualifying purchase may require no down payment.
The program covers some rural and suburban locations.
A property and income check should happen before an offer.

Before you decide

Income and geographic limits apply.
Guarantee fees and other closing costs affect the total payment.

Compare the whole cost.

Ask for a personalized estimate with the rate, APR, monthly payment, cash to close, and program-specific fees. Terms and approval depend on your loan and lender review.

Request an estimate ↗