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Home / USDA loans
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.

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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.

See what you qualify for

A few questions, one screen. A licensed officer reviews it and comes back to you — no credit pull to start. 8 required answers, the rest optional.

We lend on homes in Arizona, California, Colorado and Nebraska. In a hurry? Call 480-588-0397.