Access zero down payment home loans
Rural and suburban buyers enjoy affordable homeownership with no down payment, low interest rates, and flexible credit requirements.
Who's it for?
USDA loans are ideal for homebuyers looking to purchase a home in eligible rural or suburban areas. If you have a moderate or low income and need a zero-down payment option, this government-backed loan can make homeownership more accessible.
USDA benefits
- No down payment required
- Competitive, low-interest rates
- Reduced mortgage insurance costs
- Flexible credit requirements
- Designed for rural and suburban homebuyers
- Lower closing costs compared to conventional loans
Eligibility requirements
To secure a USDA, you’ll need to meet the following requirements:
- Home must be in an eligible rural or suburban area
- Household income must meet USDA limits
- Minimum credit score typically 640 (flexible with compensating factors)
- Property must be a primary residence
- Stable income and employment history
Find out if a USDA loan is right for you
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