USDA Loans
Zero-down financing in qualifying rural and suburban areas.
Buying outside city limits? You might be looking at a zero-down USDA loan and not even know it.
About USDA Loans
USDA loans are a zero-down program from the U.S. Department of Agriculture, designed for low-to-moderate income borrowers in eligible areas. Despite the name, plenty of suburban neighborhoods around Cincinnati qualify.
Key benefits
No down payment required. You can roll the upfront guarantee fee into the loan too, making total out-of-pocket very low.
USDA's annual guarantee fee is significantly lower than FHA's MIP, often saving borrowers $100+ per month.
Large portions of Boone County, Grant County, and outlying suburbs of Cincinnati and Dayton qualify. We'll check your exact address in 30 seconds.
Unlike FHA and conventional, USDA has no maximum loan amount, only an income limit by household size.
The process
- Address check against the USDA eligibility map
- Income verification against county limits
- Pre-qualification and property appraisal
- USDA guarantee review + closing (usually 30-35 days)
USDA FAQ
- Send us the address and we'll pull the USDA eligibility map in under a minute. Rules of thumb: outside major city limits, not in a dense subdivision, and within certain income bands.
Not sure which one fits?
We'll help you compare. Here's what else is on our rate sheet.
Ask about USDA loans
Lee answers personally. Usually within a business hour.
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