Loan Programs
USDA
USDA loans, backed by the U.S. Department of Agriculture, help low-to-moderate income buyers purchase homes in eligible rural and suburban areas with no down payment.
Key benefits
- $0 down payment
- Below-market mortgage insurance costs
- Flexible credit guidelines
- Available in many suburban areas, not just remote ones
What you'll need
- The property must be in a USDA-eligible area
- Household income within program limits for your county
- The home must be your primary residence
Best for
Buyers in eligible areas with moderate income who want a true zero-down option.
This is an estimate for educational purposes only, not a commitment to lend or an offer of credit. Actual rates, payments, and costs depend on your credit, income, property, and loan program.