Buy With $0 Down—With a USDA Loan
Affordable home financing backed by the U.S. Department of Agriculture.
Designed for buyers in eligible rural and suburban areas with low to moderate income.
No Down Payment. No PMI. No Hassle—With a VA Loan
Exclusive benefits for veterans, active-duty service members, and eligible spouses.
Buy or refinance a home with no down payment and flexible qualification standards.
What Is a USDA Loan?
A USDA loan is a government-backed mortgage that offers 100% financing, low interest rates, and reduced mortgage insurance. It’s available to buyers purchasing a primary residence in designated USDA-eligible locations.
How It Works
🌾 0% down payment required
📍 Must be in a USDA-eligible rural or suburban area
💼 Income limits apply based on location and household size
📉 Lower mortgage insurance than FHA or conventional loans
Who Qualifies?
To qualify for a USDA loan, you typically need a credit score of 620 or higher, a steady income that falls within USDA eligibility guidelines, and the intention to use the property as your primary residence. Additionally, the home must be located in a designated USDA-eligible rural or suburban area.
Why Buyers Choose USDA Loans:
🚜 $0 down required
📍 Great for rural or suburban buyers
💰 Low monthly payments and mortgage insurance
🎯 Flexible credit and income guidelines
🏠 Backed by the U.S. government
USDA Loan FAQs
No. USDA loans are available to any qualifying buyer.
Yes. Many suburban areas near cities are USDA-eligible.
Yes, but it’s typically lower than FHA or conventional PMI.
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Disclosures and License Information
Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))
Licensed in Colorado. Regulated by the Colorado Division of Real Estate.
NMLS ID: XXXXXX • Visit https://dre.colorado.gov or call (303) 894-2166 to verify the license status or file a complaint.