USDA
Zero-down financing for homes in eligible areas, for households under the local income limit.
How it works
The U.S. Department of Agriculture guarantees the loan. There is an upfront guarantee fee and a smaller annual fee, and no down payment is required.
Two tests
- The property: it must be in an eligible area on the USDA map. Many towns outside the big metro cores in Texas and Florida qualify.
- The household: total household income, not only the borrowers', must be under the limit for the county.
Check before you shop
Send us an address and we'll check eligibility before you fall in love with a house.
Reviewed by Mustafa Temiz, CPA, NMLS #2450795 · Updated November 2026
Talk to someone who reads tax returns for a living
A short pre-application takes about five minutes. We call you back, look at your numbers and tell you plainly which loan programs fit.
Apply now
or call (949) 624-4500