Are USDA Loans Really Zero Down? | The 2 Mortgage Guys

Yes — USDA Guaranteed loans allow 0% down on eligible homes. Learn what cash to close still looks like with The 2 Mortgage Guys.

Are USDA Loans Really Zero Down? | The 2 Mortgage Guys

Yes — USDA Guaranteed loans allow 0% down on eligible homes. Learn what cash to close still looks like with The 2 Mortgage Guys.

Are USDA Loans Really Zero Down?

What “Zero Down” Actually Means

Ways to Lower Cash to Close

What You Still Need to Document

Zero Down vs. Other Low-Down Options

Keep Exploring

Frequently Asked Questions

Get Pre-Approved With $0 Down

LOAN PROGRAMS

CLIENT BENEFITS

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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.

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We will check property eligibility, income limits, and your true cash to close — then get you pre-approved so you can shop with confidence.

Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .

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Ryan Minick NMLS# 203249

Steve DeLon NMLS# 202876

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window.open('https: USDA Overview What “Zero Down” Actually Means The purchase price can be fully financed — your cash still covers costs around the loan. Ways to Lower Cash to Close Zero down handles the purchase price. These moves often decide how much you bring on closing day. What You Still Need to Document No down payment does not mean light paperwork. Zero Down vs. Other Low-Down Options When cash is tight, compare the full picture — not just the down payment line. Feature USDA FHA Conventional Min. down $0 3.5% 3% Location rules Eligible rural/suburban areas Most areas Most areas Mortgage insurance / fee Guarantee fee (lower annual) MIP (often life of loan) PMI (cancellable) Income limits Yes (~115% AMI) No program income cap No program income cap FHA 3.5% down → Conventional 3% down → USDA overview → Keep Exploring Related guides to help you compare options and move toward pre-approval. 2MG Daily Related Blog Posts Recent articles from our blog on USDA loans, rural eligibility, and zero-down financing. {blogLoading ? ( ) : blogError ? ( Try Again

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