100% Financing
$0 Down payment
No farm animals required

Backed by the USDA, rural Loans are similar to VA and FHA, except they are only available in selective rural areas and have income limitations.

USDA is a 102% loan with no down payment required and does not require monthly mortgage insurance.

This requirement alone saves a lot of money. The USDA loan is not limited to first time home-buyers.

The seller can contribute up to 6% of the purchase price towards buyers closing and prepaid costs.




  • No down payment required
  • Great low rates
  • Low Mortgage Insurance


  • Property must qualify
  • Buyer has income limits
  • Primary residences only
  • A credit score of 640 or above
  • No Short Sale, Foreclosures, or BK in the last 3 years