USDA Loans

We don’t currently offer USDA loans. Like USDA loans, there are other loan types that can be a good choice for qualifying borrowers looking for 0% down.

Who Are USDA Loans Best For?

USDA loans, also known as rural development loans, help make owning a home more affordable for those living in eligible rural and suburban areas and with household incomes within the USDA limits.

How Do USDA Loans Work?

USDA loans are backed by the U.S. Department of Agriculture, making them more accessible than other loan options.

You can get a USDA loan as a 30-year fixed-rate mortgage.

If you already have a USDA loan, you can refinance it into a new USDA loan; however, you can't refinance with a USDA loan if you currently have a different loan type.

What Are The Qualifications For A USDA Loan?

To qualify for a USDA loan, you’ll need:

Explore Your Options

We don’t offer USDA loans, but we have options for you.

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USDA Loan Benefits

  • You can qualify with a credit score as low as 640.
  • USDA loans require no down payment, unlike FHA and conventional loans
  • The USDA monthly guarantee fee is lower than the FHA monthly mortgage insurance, in most cases, and you may be able to roll these fees into your loan.
  • You may be able to roll your closing costs into your loan.
  • If you already have a USDA loan, you can refinance it into a new USDA loan.

USDA Property Requirements

  • The home must be your primary home, not a vacation home or income property.
  • The property can't be a working farm.
  • Your home appraisal must show the condition of the home meets USDA standards, including:
    • The water, electrical, heating and cooling systems must be up to date and functional.
    • The foundation and house need to be structurally sound.
    • The property must be accessible from a paved or all-weather road.

Discover Similar Loans

  • FHA loans offer a low down payment with no restrictions on where you can buy.
  • Our YOURgage lets you choose a loan term from 8 to 29 years with a fixed rate and a low down payment.
  • Conventional loans offer down payments as low as 3%.

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