Zero down isn’t a myth.
It’s a zip code.
The USDA loan offers 100% financing — no down payment at all — for homes in eligible areas. And “rural” is broader than you think: many suburbs and towns under 35,000 people qualify.
$ 0 Down Payment
Finance the full purchase price. USDA is one of only two mainstream zero-down programs (the other is VA).
💵 Low Monthly Fees
Just a 1% upfront guarantee fee (rollable into the loan) and 0.35% annually — far cheaper than FHA insurance or most PMI.
🏡 Flexible Credit
Moderate credit scores welcome. Income limits apply — around $119,850 for households of 1–4 in standard-cost areas (2026), higher in many counties.
Do you qualify? Two quick checks.
1. The address: the home must be in a USDA-eligible area. Despite the name, that includes many suburban towns and smaller cities — we’ll check any address for you in seconds.
2. The income: household income must be at or below 115% of your county’s median. Limits shift by county and year, so don’t rule yourself out before we look it up.
USDA vs. the alternatives
Not sure USDA fits? Compare with FHA (3.5% down), HomeReady and Home Possible (3% down), or down payment assistance programs that can shrink the gap on any loan.
Find out in one call if $0 down is on the table.
We’ll check your address, your income limit, and your best-fit program — free, in minutes.
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