USDA Loans

How it works.

USDA home loans support eligible buyers purchasing a primary residence in designated areas. Qualified borrowers may be able to finance a purchase without a down payment.

At a glance

• Property must be in an eligible area
• Household income limits apply
• Zero-down-payment financing may be available

What to consider

Both the property location and household income must meet program rules. USDA loans also involve fees and other qualification requirements. An address and a conversation about your household are good starting points.

Program details and qualification depend on the lender and your circumstances.