$0 down in eligible areas — USDA loans.
USDA loans are one of the most overlooked $0-down options. If the property is in a qualifying area and your household income fits the limits, this program can be a strong fit.
Check Your EligibilityUSDA loan benefits
No Down Payment
Finance 100% of the purchase price in eligible areas.
Suburban Areas Qualify
Many locations outside city centers are eligible — not just farmland.
Competitive Fixed Rates
Government-backed financing with fixed-rate terms.
Who USDA is for
- Buyers purchasing a primary residence in a USDA-eligible area
- Households within USDA income limits for their county
- Borrowers who want $0 down without using VA benefits
- Buyers in suburban or rural communities across Texas and Louisiana
How it differs from FHA or VA
- vs. FHA: USDA offers $0 down (FHA typically requires 3.5%) but is limited to eligible geographic areas and income limits.
- vs. VA: USDA is not limited to veterans, but it does require location and income eligibility.
- vs. Conventional: USDA allows $0 down in qualifying areas; conventional low-down programs still require some down payment.
USDA loan FAQ
What is a USDA loan?
A USDA Rural Development loan is a government-backed mortgage for eligible borrowers buying in qualifying areas. The USDA Guaranteed Loan program offers $0 down payment for primary residences in eligible rural and suburban locations.
Do I have to live in the middle of nowhere?
Not necessarily. Many areas outside major city centers qualify — including suburbs and towns across Texas and Louisiana. Eligibility is based on the property address, not just how rural it feels. I can check any address against the USDA eligibility map.
Are there income limits?
Yes. USDA loans have household income limits based on the area median income (AMI) for the county. Limits vary by location and household size. I will verify whether your income qualifies before you start shopping.
Is there mortgage insurance on a USDA loan?
USDA loans do not have monthly PMI like conventional loans, but they do have an upfront guarantee fee and an annual guarantee fee that is included in your monthly payment.
Can I use a USDA loan on any home?
The home must be your primary residence, located in a USDA-eligible area, and meet USDA property condition standards. Investment properties and vacation homes do not qualify.
Wondering if your area qualifies?
Send me an address and I will check USDA eligibility and income limits for your situation.