Zero down payment for rural and suburban areas. 97% of US land qualifies.
USDA Rural Development loans require zero down payment for homes in eligible rural and suburban areas — which covers about 97% of the U.S. land mass. Despite the name, you don't need to live on a farm. Many suburban communities just outside major cities qualify. Income limits apply (typically 115% of area median income), and mortgage insurance is significantly cheaper than FHA: just 1% upfront and 0.35% annually. USDA loans work on single-family homes only — no multi-unit properties.
We'll show you how to combine USDA Rural Development Loan with other programs to maximize your free money — personalized to your ZIP code and income.