No Down Payment Required
Qualified buyers can purchase an eligible home with 0% down, helping preserve savings for moving expenses, furnishings, and homeownership.
USDA Guaranteed Home Loans
Your Path to Homeownership With 0% Down
Buying a home may take less upfront cash than you think. USDA Guaranteed loans offer eligible buyers 100% financing, competitive rates, and flexible qualification options in eligible communities throughout the United States.
0% Down
No down payment required
580–620+
Flexible credit options
Eligible Areas
In designated rural communities
Up to 6%
Seller contributions
Key Benefits
More Possibilities for Homeownership
USDA loans are designed to make homeownership more accessible with flexible options and lower upfront costs.
Apply NowFlexible Credit Options
USDA does not establish an official minimum FICO score. Some lenders may offer options starting around 550 FICO. Lender requirements vary.
Options to Reduce Your Upfront Costs
Seller contributions up to 6% of the sales price may cover eligible closing costs and prepaid expenses.
Eligible Communities
Eligible Communities Across the Country
USDA financing is available in designated rural areas, including many small towns and some suburban communities. You do not need to purchase a farm or live far from everyday conveniences.
Check Property Eligibility
Property eligibility is only part of qualifying. Household income must meet USDA limits, and the home must be your primary residence.
First Time Homebuyers
A Great Option for First Time Homebuyers
With no required down payment and options to reduce closing expenses, USDA financing can make homeownership more accessible.
You do not have to be a first time homebuyer to qualify.
Let's Get Started
Competitive Rates. Personalized Guidance.
We help you understand your eligibility, compare financing options, and build a clear plan from application to closing.
All loans are subject to credit and underwriting approval. Household income limits, property eligibility, and lender requirements apply. USDA guarantee fees apply. No down payment does not mean no closing costs.