USDA rural loans from The 2 Mortgage Guys. Zero-down financing for eligible areas, with Ryan Minick and Steve DeLon at Luminate Bank.
at Luminate Bank
Program
USDA Loan
Purpose
Home Price
$$
Down Payment
$$ ($ %)
Interest Rate
$ %
Loan Term
$ Years
Credit Score
Property Tax (yr)
Home Insurance (yr)
HOA Dues (mo)
Base Loan Amount
USDA Upfront Fee (1%)
Total Loan Amount
USDA Annual Fee Rate
0.35%
This estimate is for informational purposes only and does not constitute a loan approval or offer. Actual rates, terms, and payments may vary based on creditworthiness, property type, and other factors. Please contact us for a personalized quote.
Zero down payment financing for eligible rural and suburban homebuyers. Competitive rates with a low USDA guarantee fee.
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.
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
$ down
Estimated Monthly Payment
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
Straight answers to the questions buyers ask us most — from zero-down eligibility and income limits to guarantee fees, property standards, and closing timelines.
2MG Daily
Recent articles from our blog covering USDA loans, rural eligibility, and zero-down financing tips.
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Contact
Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876
NMLS#
Kokomo's Mortgage Team. Lending Nationwide.
1221 Appletree Lane, Kokomo, IN 46902