USDA Loan No money down. Lots of eligible zip codes.
Purchase a home with no money down in certain rural and suburban areas. USDA loans are backed by the U.S. Department of Agriculture.
$0 down for buyers in eligible rural and suburban zip codes.
USDA loans — officially the USDA Single Family Housing Guaranteed Loan Program — are no-down-payment mortgages for low-to-moderate-income buyers in eligible areas. The U.S. Department of Agriculture guarantees the loan, which lets approved lenders accept the lower equity stake.
The "rural" label is misleading. Many suburbs of major metros qualify. If you're shopping in an outer-ring zip code, it's worth checking.
Who qualifies
Two main checks: the property has to be in a USDA-eligible area, and your household income has to fall within the program's income limits for that area. Limits scale with household size and local income levels — we can run the lookup with you.
How a USDA loan works
Apart from the no-down-payment piece, the process looks like any other mortgage: documented income, employment history, credit review, appraisal, and an underwriting decision. USDA does layer in some property-specific requirements — the home has to be modest in size and condition relative to the area's average.
Program features
- 0% down on most USDA purchase loans.
- Fixed-rate terms of 30, 25, 20, and 15 years.
- 5/1 adjustable-rate option available.
- No monthly PMI — instead, USDA charges an upfront and annual guarantee fee.
- New construction, existing homes, and homes needing minor renovation can all qualify.
- No prepayment penalties.
Eligibility checks
- Household income limits apply and vary by county.
- Property must be in a USDA-eligible area — we'll run the address lookup for you.
- Primary residence only.
- Credit and DTI standards apply, similar to FHA.
Curious whether your target neighborhood qualifies? Send us the address and we'll check eligibility and run the numbers.
WeFund Mortgage Corporation is not affiliated with or acting on behalf of FHA, VA, USDA, or the federal government.
Get started today!
Tell us a little about your situation and we'll send personalized loan options within one business day.
USDA Loan FAQs
What areas qualify for a USDA loan?
Many rural and suburban zip codes qualify. The USDA publishes an official property eligibility map — we'll check your specific address and target area in minutes.
What are USDA income limits?
USDA loans are subject to income caps based on household size and county. Most moderate-income households qualify; we check your specific eligibility before quoting.
Is a down payment required?
No. Eligible borrowers can finance 100% of the purchase price. There is a small upfront guarantee fee plus a low annual fee in lieu of mortgage insurance.
Also worth looking at
Fixed Rate Mortgage
Interest rate and payments remain the same for the entire term of the loan. Common terms are 30, 20, 15, and 10 years.
Learn moreFHA Loan
A government-insured loan with flexible requirements — lower down payments, lenient credit, and competitive rates.
Learn moreVA Loan
Flexible VA home loans as either fixed-rate or ARM mortgages — for eligible service members, veterans, and surviving spouses.
Learn moreRehab Loan
Roll the costs of renovation into your loan — for buyers of fixer-uppers and owners planning major improvements.
Learn more