USDA Loan Program:

USDA (United States Department of Agriculture – Rural Development) is a loan program that offers 0% down - 100% financing. The program helps buyers who have low to moderate incomes purchase a primary residence in rural areas. The program does have income and area restrictions. They are insured by the U.S. Department of Agriculture.

Benefits of USDA Home Loan Program:

  • 0% down payment / 100% financing
  • Lower interest rates than Conventional programs for those that meet a minimum score of 640
  • Flexible credit guidelines
  • Low monthly rural development guarantee fee
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