Government
USDA Loans
Zero-down financing for eligible rural and suburban homebuyers.
Overview
USDA loans, backed by the U.S. Department of Agriculture, offer eligible buyers in designated rural and suburban areas a path to homeownership with no down payment and below-market mortgage insurance. Designed to support communities outside dense urban centers, USDA loans can be an excellent option for buyers who qualify based on income limits and property location.
Who It May Fit
Buyers purchasing in eligible rural or suburban areas who meet household income limits.
Potential Benefits
- No down payment required
- Below-market mortgage insurance rates
- Competitive fixed rates
- Closing costs may be rolled into the loan or paid by the seller
- Available for new construction in eligible areas
Important Considerations
- Property must be in a USDA-eligible area
- Household income must meet program limits
- Upfront guarantee fee and annual fee apply
- Limited to primary residences
Next Step
Talk to Kahren Oxner
Founder & CEO
Connect with Kahren to review eligibility, structure, and next steps.