Rural & suburban buyers
USDA loans: $0 down in eligible areas.
A government-backed option for moderate-income buyers in eligible rural and many suburban areas — often with no down payment required.
Who it’s for
Moderate-income buyers purchasing a primary residence in a USDA-eligible area of Arizona, California, Colorado, or Nebraska — including many suburbs people are surprised to learn qualify.
Why borrowers choose USDA
- $0 down paymentEligible buyers can finance 100% of the purchase price.
- Competitive, fixed ratesGovernment backing supports strong pricing for those who qualify.
- More areas than you’d thinkPlenty of suburban neighborhoods fall inside USDA-eligible boundaries.
- We check eligibility for youWe’ll confirm both the property location and income limits up front.
General guidelines
Typical starting points — your officer confirms eligibility. USDA loans have property-location and household-income limits, plus a guarantee fee.
Down payment
$0
For eligible, qualified borrowers.
Credit score
640+
Common target for streamlined processing; varies by lender.
Eligibility
Area + income
Property must be in an eligible area; income limits apply.
Common questions
How do I know if a home qualifies?
USDA maintains eligible-area maps, and there are household-income limits by county. We’ll check both the address and your income before you fall in love with a house.
Is USDA really $0 down?
For eligible borrowers, yes — you can finance the full purchase price. A guarantee fee applies and can often be financed.
Does “rural” mean way out in the country?
Not necessarily. Many suburban and smaller-town neighborhoods qualify. It’s worth checking even if you don’t think of your area as rural.
Are there income limits?
Yes — USDA sets household-income limits that vary by county and family size. We’ll confirm where you stand.
Ready when you are
See if your area qualifies.
Answer a few quick questions — no impact to your credit to check — and we’ll confirm your eligibility.