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Browse trusted lenders offering USDA loans—perfect for buyers in rural or suburban areas looking for zero down payment mortgage options.
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What is a USDA loan?
A USDA loan is a government-backed mortgage for buyers in eligible rural and suburban areas. It offers 100% financing with no down payment required.
Who qualifies for a USDA loan?
To qualify, you must buy in an eligible area, meet income limits, and demonstrate the ability to repay. USDA loans are often for moderate- to low-income buyers.
Is a down payment required for a USDA loan?
No, USDA loans offer 100% financing, meaning no down payment is required for qualifying buyers.
Are USDA loans only for first-time buyers?
No, USDA loans are available to both first-time and repeat homebuyers as long as they meet the property location and income requirements.