USDA Loans

The United States Department of Agriculture Loans

The United States Department of Agriculture offers 100% financing to homeowners who meet established income thresholds and purchase in areas deemed underdeveloped or rural by the USDA.  The program has flexible guidelines for those who qualify.

USDA loans:

• Have low-interest rates and low monthly payments for mortgage insurance relative to conventional loans
• Require zero money down with the possibility of purchasing with no money out of pocket at closing
• Allow for a seller’s assist to cover 100% of closing costs
• Allow for debt-to-income ratios higher than conventional loans
• Limited to rural areas specifically identified by the USDA but you don’t have to move to the middle of nowhere to find a USDA home.  Many are in or very close to desirable suburban neighborhoods.

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