Hidden gem
USDA Loan
$0 down. Rural and suburban areas.
USDA loans help moderate-income buyers purchase homes in eligible rural and suburban areas with zero down and below-market rates.
Why buyers choose this loan
The benefits of USDA Loans
$0 down payment
Buy with nothing out of pocket.
Below-market rates
USDA backing keeps your rate competitive.
Lower mortgage insurance
Cheaper than FHA on a monthly basis.
Many areas qualify
Not just farmland — many suburbs are eligible.
At a glance
What you'll need
Property locationUSDA-eligible area
Down payment$0
Recommended credit640 +
IncomeWithin program limits
Best for
Is this loan right for you?
Buyers looking at smaller towns and suburbs who don't have a down payment saved and want a low monthly payment.
Not sure which loan fits?
Take our 2-minute homebuying plan and we'll match you with the right program.
Questions, answered
USDA Loan FAQs
Ready to see if you qualify?
Start your homebuying plan — 2 minutes, no credit check, no commitment.