USDA Loans Washington Oregon Arizona Idaho Montana Nevada
0% down payment loans for eligible rural and suburban areas. Government-backed financing for qualified borrowers.
USDA Rural Development loans are designed to promote homeownership in rural and suburban areas. These loans offer 100% financing with no down payment required, making homeownership possible for qualified buyers in eligible areas. The program focuses on moderate-income families and offers competitive fixed rates with reduced mortgage insurance costs. Many suburban areas qualify, not just rural farmland, making this program more accessible than many realize.
Key Benefits
100% financing - no down payment required
Purchase a home with $0 down in eligible rural and suburban areas.
Competitive fixed interest rates
Government backing provides access to favorable fixed rates.
Reduced mortgage insurance costs
Lower insurance costs compared to other government programs.
Available in many suburban areas
Not just rural farmland - many suburban communities qualify.
Income limits apply but are generous for most areas
Moderate-income families can qualify with generous income limits.
Property must be in USDA-eligible area
Check eligibility for your desired location - many areas qualify.
USDA Loan Requirements
Property Location
USDA eligible areas
Rural/suburban designation
Check USDA map for eligibility
Income Limits
115% of area median income
Varies by location and family size
Stable employment history
Qualification Requirements
Contact us to find out more about qualification requirements and see if you qualify for our USDA loan programs.
Financial Assessment
We'll review your complete financial picture to find the best USDA loan solution for your situation. Contact us for a personalized evaluation.
Primary Residence
Owner-occupied only
No investment properties
No vacation homes
Property Standards
Modest home requirements
Safe and sanitary conditions
USDA appraisal required
Trusted by Hundreds of Homebuyers
Ready for Rural Home Financing?
Let Ron Thomas help you explore USDA loan options with 35+ years of experience