USDA Loans
100% Rural Home Loan Options from the U.S. Government

Most people think that VA is only program offering 100% financing, but USDA loans also offer home mortgages with no down-payment required. The USDA offers rural home loans to qualified borrowers nationally. VA loans are great, but you need a military background to qualify. The USDA loan program creates additional opportunities for another large group of American borrowers who reside in rural areas of the country.

The USDA is a government entity that focuses on rural development in the United States. The USDA mission is to improve the quality of life in rural areas. Housing and Community Facilities Programs helps rural communities and individuals by providing USDA home loans and grants for residential real estate, farming and community projects. The USDA ensures financing for single family homes, apartments for low-income persons or the elderly, farm housing, childcare centers, fire and police stations, hospitals, libraries, nursing homes, schools and much more.

Guaranteed Rural Housing Loan Programs
USDA loan applicants are allowed to have an income of up to 115% of the median income for the local region. Families must be without sufficient housing, but be able to afford the monthly USDA loan payments. In addition, housing costs like taxes and insurance must be paid as well. The USDA loan guidelines specify that borrowers should have a reasonable credit history.

Rural Housing Direct Loan - In most cases, Section 502 loans are extended to assist low-income borrowers or families with their home buying endeavors in rural regions of the country. Money must be used to purchase, construct, repair, renovate or home relocation. There is more finance options from other lending sources if you want to consider more zero down home loans.
USDA Home Loans
Finance a Rural Home with
No Down-Payment on
USDA Loans!

In an effort to determine USDA eligibility for home financing please visit this website,


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