Home loans
USDA loans. Zero down in eligible areas
As little as 0% down for homes in eligible rural and suburban areas. We shop your loan with 130+ lenders.
What a USDA loan is
A USDA loan is backed by the U.S. Department of Agriculture to help buyers in eligible rural and suburban areas.
Eligible buyers can purchase with as little as 0% down, and gift funds can be used toward closing.
Who it fits
- Buyers looking outside major city centers
- First-time and repeat buyers in eligible areas
- Buyers using gift funds from family
- Buyers who want a low down payment option
The steps
How it works with us
- Check the addressWe confirm whether the home is in an eligible area.
- One soft pullWe check your credit once, without affecting your score, and shop the file with 130+ lenders.
- Compare side by sideWe show USDA beside FHA and conventional so you see which fits.
- CloseWe keep the appraisal, lender and title moving, and get you to closing.
Get ready
What to have on hand
You don't need all of it to start. The application tells you what's missing.
- Photo ID for everyone on the loan
- Pay stubs covering the last 30 days
- W-2s for the last two years
- Bank statements for the last two months
- Gift letter, if family is helping
Questions
Good to know
How do I know if a home is in an eligible area?
We check the address against USDA's eligibility map for you.
How much do I need for a down payment?
Eligible buyers can purchase with as little as 0% down.
Can I use gift funds?
Yes. Gift funds can be used toward closing.
Is USDA only for farms?
No. Many suburban areas qualify. The home must be your primary residence.