Purchase
USDA Home Loans
0% down for eligible homes in qualifying areas with income limits.
Why USDA?
- 0% down (eligible areas & income limits)
- Competitive rates and fixed terms
- Lower MI than many low-down options
- Great fit for certain suburban/rural buyers
Eligibility at a glance
- Property must be in a USDA-eligible area
- Household income must be within limits
- Primary residence only
- Credit & income per guidelines
Rate, APR & Payment (example)
Sample: $400,000, 30-yr USDA fixed. APR may include the USDA guarantee fee; note rate calculates P&I only. Taxes, insurance, and MI not included. Illustrative only; not a lock or commitment.
FAQs
How do I know if a home is eligible?
We’ll check the property address against USDA’s eligibility map.
Are there income limits?
Yes—limits vary by county and household size.
Can I refinance with USDA?
Streamlined options may be available for current USDA borrowers.
Disclosures:
Program availability, income limits, property eligibility and terms vary. Underwriting approval required. Not a commitment to lend.