The USDA Home Loan program helps low-to-moderate income individuals and families in rural areas achieve homeownership with a $0 down payment option. By offering affordable financing with favorable terms, this program is designed to strengthen and grow rural communities.
Much like the VA Home Loan, USDA loans provide a true zero-down alternative—making them an excellent choice for non-veterans seeking this benefit. Depending on your credit score, USDA loans may also offer lower interest rates compared to conventional loans.
To qualify, borrowers must meet income requirements, and the home must be located in a USDA-eligible rural area. Unlike VA loans, USDA financing does have income and location restrictions. In addition, USDA loans require mortgage insurance (MI), similar to FHA and conventional loans.
Simply put, the USDA program makes homeownership possible for many who might not otherwise qualify—turning the dream of owning a home in a rural community into reality.
Household Income is limited on a USDA Loan so please contact me for more information.
