USDA Loans
Zero-down financing in qualifying rural and suburban areas.
Ask Lee to check the property's USDA eligibility and your household's program requirements. A rural or suburban address alone doesn't establish qualification.
Start with a conversation. The full application opens in ARIVE and is the place for financial details and documents.
About USDA Loans
USDA's guaranteed loan program can offer zero-down financing for eligible primary residences. The property's exact address, household income, repayment ability, and lender requirements all matter. Check the current eligibility map before relying on this option.
Key benefits
Eligible buyers may not need a down payment. Guarantee fees, closing costs, and prepaid expenses still affect the transaction; ask which costs can be financed and how much cash you'll need.
USDA guaranteed loans have upfront and annual guarantee fees. Compare those costs with the rate and mortgage insurance on other eligible programs.
Eligibility is based on the property's exact location and household income. Lee can check the current USDA map and income limits with you.
The guaranteed program doesn't use a single nationwide loan cap. Your borrowing amount still depends on repayment ability, appraised value, and program requirements.
The process
- Address check against the USDA eligibility map
- Income verification against county limits
- Pre-qualification and property appraisal
- USDA guarantee review and final closing arrangements
USDA FAQ
- Send Lee the address to check against USDA's current eligibility map. Location alone isn't enough; household income and the other program requirements also apply.
Check the program details
Requirements vary by borrower, property, and lender. These official sources explain the program rules and annual limits.
Not sure which one fits?
We'll help you compare. Here's what else is on our rate sheet.
Ask about USDA loans
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