USDA Loans

If you meet income guidelines, you can buy a home in a qualifying rural area for 0% down.


Key Benefits


USDA loans are an attractive option for buying a home in a qualifying rural area, especially if you’re a first-time home buyer. These are some of the benefits:


  • USDA loans require no down payment unlike FHA and conventional loans.
  • You can qualify with a credit score as low as 640.
  • In most cases, the USDA monthly guarantee fee will be lower than FHA monthly mortgage insurance.