100% USDA Housing

Understanding your financial needs and goals is important to us, and we are committed to securing financing that meets your needs.

USDA 100% Financing

What is a USDA Housing Loan?

USDA is a Rural Housing Loan that is Federally insured by the USDA and is designed to promote the development of rural and suburban areas of the United States. A home has to be in an eligible geographic location as defined by the USDA Eligibility Maps. This does not mean that the home has to be a farm or have cows on it. To the contrary, eligible areas include communities that you would not consider rural. Many areas are USDA eligible; don't assume that they are not. Please contact us or use the link below to determine eligibility.


  • No Minimum Credit Score
  • No First Time Home Buyer Requirement
  • No Maximum Loan Amount
  • Must not own any other adequate Housing
  • Purchase transaction only (you can refi an existing USDA loan)
  • Owner Occupied only
  • Must provide proof of Income
  • Must provide proof of Assets
  • Only Occupied Homes Only
  • Must meet Income Guidelines based on Household Size



  • 100% Financing based on appraised value
  • Low Mortgage Insurance
  • 30 Year Fixed Rates Lower than Conventional
  • 3.5% Guarantee Fee is Financed into the Loan
  • 6% Seller Contributions Allowed
  • Finance Closing Costs and Prepaid Items within Appraised Value
  • Escrow Hold-Backs up to the lesser of 10% of purchase price or $10,000 allowed for repairs


USDA Metropolitan Statistical Area (MSA) Income Limit Chart


USDA Income Charts



Search USDA Eiligibility Maps



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