Government-backed financing with no down payment for eligible homes in rural and many suburban areas. More places qualify than people expect.
The USDA Rural Development loan offers no-down-payment financing for primary homes in eligible areas. Despite the name, eligibility extends well beyond farmland. Many suburban communities around Georgia and Florida metros qualify.
There are household income limits that vary by county and family size, designed to serve low-to-moderate income buyers.
Two boxes have to be checked: the property has to sit in a USDA-eligible area, and your household income has to fall within the local limit. Both are easy for us to verify in a few minutes. If your dream home does not qualify, we will pivot you to the next-best zero-or-low-down option.
USDA maintains an eligibility map by address. Send us the address and we will check it for you in minutes, along with the income limit for that county.
Yes. For eligible buyers and eligible properties, USDA requires no down payment, which makes it one of the most accessible loans available.
Yes. USDA is designed for low-to-moderate income households, and the limit depends on your county and household size. We will confirm whether you fit before you fall in love with a house.
Send us the address and we will check USDA eligibility and the county income limit in minutes, then map your next step.
