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USDA Loans

$0 down rural development mortgages with a low 0.35% annual fee across eligible areas.

USDA Loans

About USDA Loans

USDA loans help buyers purchase homes in eligible rural and suburban areas with $0 down and a low 0.35% annual fee. A large share of the country's geography qualifies, making this an affordable path to homeownership outside major metros.

Program Highlights

$0 down payment
Low 0.35% annual fee
Wide rural eligibility

Program Snapshot

Down Payment$0
Annual Fee0.35%
Term30 years
AreaRural / Suburban
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