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USDA

I want to live in a rural area.

United States Department of Agriculture Loan


This USDA-backed loan offers qualifying low-to-moderate income borrowers the option of no down payment when they buy in a designated rural area. This loan also offers flexible guidelines to eligible applicants.


USDA Renovation Loan

With a USDA Renovation loan, eligible borrowers can buy a fixer-upper and finance up to $35,000 for non-structural work (things like kitchen upgrades, HVAC replacement, rewiring and re-plumbing) and $35,000 - $75,000 of structural work (things like foundation work and major roof repairs). By choosing renovation, you aren’t stuck competing for polished, higher-demand homes and you can buy and renovate with one loan*.

The USDA Renovation loan also comes with no down payment requirements.

*For qualified borrowers only. Property must be located in a Designated Rural Area. Borrower’s Household Income must not exceed the adjusted annual income threshold. Borrower may only own one other single family housing unit. Borrower must meet all additional requirements of USDA financing.

Take Advantage of USDA Home Loan Benefits The USDA Loan Program

  • May help low-to-moderate income borrowers qualify
  • No down payment for eligible applicants in designated rural areas
  • Allows seller contribution to closing costs
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