USDA loans — $0 down, more than you'd think qualifies.

Why USDA

The most overlooked $0-down loan out there

Backed by the U.S. Department of Agriculture, USDA loans reward buyers in eligible communities with true 100% financing. Here's the catch most people get wrong: 'rural' is broad. Plenty of suburbs and smaller towns around the Portland metro, the Pacific Northwest, and Arizona qualify, so it's always worth checking before you assume it's off the table.

• $0 down payment — finance 100% of the purchase for eligible buyers.
• Competitive fixed rates and a lower guarantee fee than comparable FHA MIP.
• Broad eligibility maps — many suburbs qualify, not just farmland.
• Designed for low-to-moderate income households, by county.
• A powerful option to pair with your homebuying budget in the right area.

Do you qualify?

USDA eligibility comes down to two things: the property's location and your household income. Both have limits that vary by county. It only takes me a moment to check an address and your income against the current maps, so you'll know for sure instead of guessing.

You might be surprised what's eligible

Buyers routinely assume they don't qualify because they're not on a farm. In reality, many growing suburbs and smaller communities are inside USDA-eligible zones. If you're open to those areas, this loan can save you the entire down payment.