The USDA Home Loan Program is a government insured 100% home loan program offered through the United States Department of Agriculture. This loan is available exclusively to USDA approved lenders. Most people living in rural areas qualify for USDA Home Loans. Also, many people living in medium sized cities as well as those living on the outskirts of major metropolitan areas may also qualify.

A USDA loan is a no down payment home financing option for buyers in rural areas.  Qualification is based on zip code and on the # of dependents when compared to your income.  Besides VA loans, USDA home loans are the only other product on the market today that do not require money down.