Home Loans
USDA Loans
100% financing for homes in eligible areas. Zero down payment required.
Overview
What Is a USDA Loan?
USDA loans are backed by the U.S. Department of Agriculture and designed to promote homeownership in eligible rural and suburban areas. These loans offer 100% financing. Meaning no down payment is required with below market interest rates and flexible credit guidelines.
Key Benefits
Why Choose This Program?
- ✓ 100% financing – zero down payment
- ✓ Below-market interest rates
- ✓ Flexible credit requirements
- ✓ Low mortgage insurance premiums
- ✓ Eligible for rural and suburban areas
Requirements
What You’ll Need
- ✓ Property must be in eligible USDA area
- ✓ Household income within USDA limits
- ✓ Stable employment and income
- ✓ Property must be primary residence
Who Should Choose This Loan?
Is the USDA Right for You?
- ✓ Buyers purchasing in eligible rural/suburban areas
- ✓ Households meeting income limits (typically ≤115% of area median)
- ✓ First-time and repeat buyers in qualifying zones
- ✓ Those seeking zero down payment options
Frequently Asked Questions
USDA FAQ
What areas qualify for USDA loans?
Many areas outside major cities qualify, including parts of South Florida. We can help you check if your target property is eligible.
Is there a down payment requirement?
No. USDA loans offer 100% financing with zero down payment, similar to VA loans but without the military service requirement.
Are USDA loans only for first-time buyers?
No. Repeat buyers can also qualify as long as they meet income limits and purchase in an eligible area.
What are the income limits for USDA loans?
Income limits vary by county and household size. Generally, your household income must not exceed 115% of the area median income.
Not sure if the USDA is right for you? Compare all loan programs →
Ready for a USDA Loan?
Get a personalized rate quote and see how much you qualify for.