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Buy With $0 Down—With a USDA Loan
Affordable home financing backed by the U.S. Department of Agriculture.
Designed for buyers in eligible rural and suburban areas with low to moderate income.
What Is a USDA Loan?
A USDA loan is a government-backed mortgage that offers 100% financing, low interest rates, and reduced mortgage insurance. It’s available to buyers purchasing a primary residence in designated USDA-eligible locations.
How It Works
🌾 0% down payment required
📍 Must be in a USDA-eligible rural or suburban area
💼 Income limits apply based on location and household size
📉 Lower mortgage insurance than FHA or conventional loans
Who Qualifies?
To qualify for a USDA loan, you typically need a credit score of 620 or higher, a steady income that falls within USDA eligibility guidelines, and the intention to use the property as your primary residence. Additionally, the home must be located in a designated USDA-eligible rural or suburban area.
Why Buyers Choose USDA Loans:
🚜 $0 down required
📍 Great for rural or suburban buyers
💰 Low monthly payments and mortgage insurance
🎯 Flexible credit and income guidelines
🏠 Backed by the U.S. government
USDA Loan FAQs
No. USDA loans are available to any qualifying buyer.
Yes. Many suburban areas near cities are USDA-eligible.
Yes, but it’s typically lower than FHA or conventional PMI.
About Us
Loaningnow delivers a modern mortgage experience built for clarity, speed, and simplicity—empowering borrowers with smarter tools, faster approvals, and a seamless path to homeownership.
Company NMLS: 2710636
Equal Housing Opportunity
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Disclosures and License Information
Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))