Home loan · USDA Rural Development
USDA Guaranteed home loan
Rate varies0% down
100% financing through approved lenders for a primary home in an eligible rural or suburban area. Household income is capped at 115% of the area median.
- Term
- 30-year fixed
- Available in
- National
- Last checked
- Oct 17, 2026
What you need
- Rural or suburban eligible address
- Income limit
Before you sign
- Zero down still leaves closing costs, often 2% to 5% of the price; a seller credit can cover some of them.
- Compare the APR and any funding or origination fee, not just the rate.
- Keep savings for repairs, since you start with little equity.
Offers change often and vary by credit and region. Confirm the final terms with USDA Rural Development.
More home loans like this
- First Bank doctor and attorney mortgageRate varies0% to low down, no PMI
- Navy Federal Homebuyers Choice loanRate varies0% down
- Navy Federal Military Choice loanRate varies0% down
- Northwest Bank physician mortgageRate variesAs low as 0% down
- TD Bank Medical Professional MortgageRate variesUp to 100% financing, no PMI