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USDA

Your Accessible Path to Homeownership

USDA loans, backed by the U.S. Department of Agriculture, are designed to help low- to moderate-income buyers purchase homes in eligible rural and suburban areas. They offer zero down payment, competitive interest rates, and reduced mortgage insurance, making homeownership more accessible for qualifying families.

Highlights

  • Low Down Payment

  • Must be located in eligible area

  • Income limits may apply

  • 620 Min Credit Score

Choose Your Path

No matter what stage you're at, our ClearPath™ application process makes it simple, transparent, and personalized. Select from one of the following options below or visit our How To Apply page to learn more.

ClearPath™ Application Process

Protected with bank-level security

FAQ


USDA Upfront and Annual Guarantee Fees

USDA Guaranteed Loan VS USDA Direct Loan

Can I use this for a manufactured home?

Qualifying Ratios for USDA Loans

Eligible Rural Locations

How do mortgage brokers differ from banks?


Mortgage Calculators

Conventional Calculator

USDA Calculator

FHA Calculator

Reverse Mortgage Calculator

VA Calculator

Learning Center

Disclaimer: Information provided is for educational purposes only and is subject to change. All loan programs, interest rates, down payment requirements, and terms are subject to credit approval, underwriting guidelines, investor requirements, and may change without notice. Not all applicants will qualify. Restrictions may apply, including but not limited to geographic limitations, property type, and occupancy requirements.

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