USDA Loans

USDA Rural Development Loans

USDA loans help you get a home with no down payment.


  • No down payment required
  • Available for single-family primary residences
  • Residences must be in eligible suburban or rural areas
  • Eligible borrowers can't exceed the program's household income limits
  • Upfront guarantee fee (1% of the loan amount) is financed into the mortgage
  • Annual fee (0.35% of the principal balance) is paid in 12 installments as part of each monthly mortgage payment

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