Loan Program
USDA Loans
Zero down, on far more of the map than most buyers realize.
Overview
What this program is for.
USDA financing allows eligible buyers to purchase with no down payment in designated areas. The common mistake is assuming “rural” means remote. Large portions of the outskirts of most metros are eligible.
Cameron checks the property address and your household income against the program limits before you fall in love with a house that does not qualify.
Highlights
USDA Loans at a glance.
0% down
No down payment on eligible properties for eligible borrowers.
Address check first
Eligibility is confirmed on the specific address, not a guess.
Income limits
Household income tested against program limits up front.
Compared side by side
USDA is shown next to FHA, VA and conventional before you commit.
How It Runs
The same four steps, every file.
01. Pre-Approval
A real pre-approval tells you your range, makes your offer credible to a listing agent, and sets the rest of the file up to move fast.
02. Loan Application
A defined document list, given to you once and up front, not drip-fed as a series of surprise requests.
03. Underwriting
Your file is reviewed and conditions are cleared as they come in. You are told where the file stands, not left guessing.
04. Closing
Documents are drawn and sent to the title company, and you sign.
Also Consider
Related programs.
VA Loans
The strongest benefit available to eligible veterans, service members and surviving spouses.
Learn more →
