USDA Loans

USDA Rural Development loans can offer zero-down financing in approved areas for eligible buyers whose household income falls within published limits.

Key Features

  • Zero down payment possible in USDA-eligible areas.
  • Income limits based on county and household size.
  • Property must be located in a USDA-eligible area and used as a primary residence.
  • Available for many single-family homes outside dense urban cores.

Pros of USDA Loans

  • Zero-down path to homeownership in qualifying communities.
  • Competitive interest rates.
  • Can be especially helpful for families comfortable living just outside city centers.

Things to Watch

  • Not every neighborhood is eligible – area restrictions apply.
  • Household income limits must be respected.
  • There are upfront and annual guarantee fees (similar idea to mortgage insurance).
  • Processing can sometimes take longer because the loan is reviewed by USDA after the lender.

Eligibility depends on your income, family size and the specific property location.

Could USDA Be a Good Option for You?

USDA may make sense if:

  • You’d like to live in a quieter, suburban or rural setting.
  • Your income fits within published limits for your county.
  • You want to maximize buying power by using a zero-down program wisely.

On the Get Your Plan page, mention that you’re open to USDA areas. I’ll map out potential communities and compare USDA vs other loan types in a simple report.