USDA loans
Zero down for homes in eligible rural and suburban areas, with income limits. More of the country qualifies than people assume.
Who it's for
Moderate-income buyers purchasing a primary residence in an eligible area. "Rural" is defined generously; parts of the outer DC suburbs and large stretches of Maryland, Virginia, and most other states qualify.
How it works
The USDA guarantees the loan through its Rural Development program. You don't need a down payment, and the guarantee fee is lower than FHA's mortgage insurance. The program has two gates: the property must be in an eligible area, and your household income must be under the limit for that county.
What to know
Check the address first. The USDA eligibility map is public and specific down to the street. Before you fall in love with a house, we check.
Income limits are per household, not per borrower. All adult income in the home counts toward the limit, even from people who aren't on the loan.
Timelines run longer. After the lender approves, the file goes to the USDA for a second sign-off. Plan for a few extra days on the contract.
It stacks well with a buydown. Seller-paid buydowns work on USDA loans and can make the first two years noticeably easier.
Want to talk it through?
Thirty minutes on video. No application, no obligation, and no cost, now or later.