USDA Home Loan Highlights
USDA Loans offer 0% down payment, great interest rates, and more.
No Down Payment
Available in roughly 97% of the geographic United States, the USDA mortgage offers a large percentage of the population access to 0% down home financing.
Low Interest Rates
USDA home loan interest rates are among the lowest. As a government backed program, approved lenders can offer the USDA mortgage with reduced loan risk. In turn, lenders can offer competitive fixed interest rates to homebuyers.
Reasonable Credit Criteria
The USDA home loan program was created to make homeownership accessible, not unobtainable. Relative to many mortgage programs, USDA credit qualifications are less rigid.
Closing Cost Options
The USDA mortgage program sets closing cost thresholds and provides various ways to address them. Beyond out of pocket, options include family gifts, seller concessions, and financing when appraised value supports.
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