We work with the USDA to make home ownership easier by offering no money down, or help with closing costs.


These loans enable a borrower to purchase a home with no money down. You must meet certain income guidelines and the property must be located in an eligible Rural Housing zone.

In addition to no down payment the USDA Rural Housing program allows for a 100% loan to help pay other closing expenses.

  • Homes must be located in rural areas.
  • Must be within household income limits
  • No down payment
  • Loans available up to 100% of appraised value or sale price
  • Fixed rate mortgages