Property address
Check the current eligibility map
Can I Use a USDA Loan to Buy a Home With No Down Payment?
Yes, eligible borrowers and eligible properties may qualify for USDA guaranteed financing with no down payment. Both household income and the property’s location must meet program requirements.
Start with the address
Do not assume a home qualifies because it is near a rural area. Have the lender check the exact address using USDA’s current eligibility tools before you plan your financing around this program.
Then check the household and loan
Income limits vary by area and household size. The lender also reviews repayment ability and property requirements. Zero down does not eliminate closing costs or applicable program fees.
Household income
Check the applicable income limit
Lender approval
Review credit, payment, and property
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