◇ USDA financing
USDA loans, priced properly.
Zero down in eligible suburban and rural areas.
0% down
Minimum down payment
620+ FICO
Typical credit floor
21 days
Average close
What you get
Program highlights
100% financing with no down payment required
Guarantee fee is cheaper than FHA mortgage insurance
Closing costs may be rolled in when the appraisal supports it
Household income limits apply by county
Who it's for
Best fit
Buyers outside dense metro cores who want to keep cash in hand.
Not sure this is your lane? That's a five-minute conversation, and we'll tell you straight if a different program serves you better — including one that pays us less.
Check my eligibilityCompare
Other programs worth a look
◈
Conventional
The workhorse loan. Best pricing for strong credit, as little as 3% down.
Explore Conventional →
◆
FHA
Government-backed flexibility for thinner credit files and tighter budgets.
Explore FHA →
★
VA
Earned benefit financing for service members, veterans, and surviving spouses.
Explore VA →
▲
Jumbo
Financing above conforming limits, priced through our portfolio desk.
Explore Jumbo →
Find out what you actually qualify for.
A soft-pull pre-approval takes about twelve minutes and does not ding your credit. You'll leave the call knowing your number, your payment, and your closing timeline.