100% Financing
USDA Loans
Zero down payment financing for eligible rural and suburban homebuyers. Competitive rates with a low USDA guarantee fee.
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Rural Homeownership Made Easy
USDA loans, backed by the U.S. Department of Agriculture, make homeownership affordable for buyers in qualifying rural and suburban areas with no down payment required.
$0 down payment
No monthly mortgage insurance
Competitive fixed rates
Flexible credit requirements
100% financing available
Seller concessions allowed
USDA Loan Requirements
Property LocationUSDA-eligible rural area
Income Limit115% of area median
Minimum Credit Score640 (varies by lender)
Down Payment$0 required
Guarantee Fee1% upfront + 0.35% annual
USDA Mortgage Calculator
See what your monthly payment could look like with a USDA loan. Zero down payment options with a USDA guarantee fee instead of mortgage insurance.
Loan Purpose
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$0 down
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Estimated Monthly Payment
$2,284
Principal & Interest$1,896
USDA Annual Fee$88
Property Tax$200
Home Insurance$100
Loan Amount$300,000
USDA Upfront Fee (1%)$3,000
Total Loan Amount$303,000
Down Payment$0
USDA Annual Fee Rate0.35%
This calculator is for informational purposes only. Results are estimates and are not exact — they do not include all closing costs, prepaid interest, or escrow deposits. Contact us for a personalized quote.
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Mortgage Knowledge Center
Common USDA Loan Questions
Straight answers to the questions buyers ask us most — from zero-down eligibility and income limits to guarantee fees, property standards, and closing timelines.
What Is a USDA Loan?Are USDA Loans Really Zero Down?Who Qualifies for a USDA Loan?What Credit Score for a USDA Loan?What Are USDA Income Limits?What Areas Qualify for a USDA Loan?Do USDA Loans Require Mortgage Insurance?What Debt Ratio Does USDA Allow?Can I Use Gift Funds on a USDA Loan?How Does USDA Calculate Student Loans?Can I Qualify After Bankruptcy for USDA?How Long After Foreclosure for USDA?Can I Buy After a Short Sale for USDA?Can I Finance a Manufactured Home With USDA?Can I Refinance With a USDA Loan?Does USDA Require Reserves?Can I Qualify With Collections on USDA?What Documents Are Required for a USDA Loan?Is USDA Better Than Conventional?How Do I Know If a Property Qualifies?How Is Household Income Calculated?Can I Buy With Bad Credit?What Is the Annual Fee?Can I Finance Closing Costs?Can the Seller Pay Closing Costs?How Long Does Underwriting Take?How Long Does Closing Take?Is USDA Right for Me?Can USDA Finance Repairs?What Employment History Is Required?Can Self-Employed Borrowers Qualify?Can Overtime Count for a USDA Loan?Can Commission Count for a USDA Loan?Can Rental Income Count for a USDA Loan?What Inspections Are Required for a USDA Loan?Is USDA Better Than FHA?
2MG Daily
Latest USDA Insights
Recent articles from our blog covering USDA loans, rural eligibility, and zero-down financing tips.
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