Yes — eligible USDA purchases can be 100% financed. Closing costs, guarantee fee, and cash to close explained by The 2 Mortgage Guys at Luminate Bank.
Home
USDA Loans
Zero Down
Yes — USDA Guaranteed loans allow $0 down payment on eligible primary homes. Zero down is real; “zero cash to close” is not. Here is what that distinction means for your offer.
The purchase price can be fully financed — your cash still covers costs around the loan.
Zero down handles the purchase price. These moves often decide how much you bring on closing day.
No down payment does not mean light paperwork.
When cash is tight, compare the full picture — not just the down payment line.
Related guides to help you compare options and move toward pre-approval.
2MG Daily
Recent articles from our blog on USDA loans, rural eligibility, and zero-down financing.
No related blog posts yet. Check back soon for the latest updates.
We will check property eligibility, income limits, and your true cash to close — then get you pre-approved so you can shop with confidence.