What is a USDA Home Loan?
A USDA home loan offers buyers in rural and select suburban areas a zero-down mortgage option. The USDA Rural Development Guaranteed Housing Program, part of the U.S. Department of Agriculture, backs these loans.
This loan program eliminates the need for a down payment and often provides lower interest rates than conventional mortgages.
Is this loan program right for you? Apply Now
These loans help make homeownership more accessible, there are a few requirements that the buyers and the property itself must meet. U.S. Department of Agriculture requires that the home must be in an eligible area, and borrowers need to qualify based on income and credit criteria.
Wondering if you qualify? The USDA has increased the maximum income for 2025! Contact us today to determine your eligibility.
United States Department of Agriculture (USDA*) financing is available for borrowers in eligible areas to purchase a primary residence with no down payment required.
This program is intended for borrowers in low- and moderate-income households. The program promotes homeownership in rural areas to encourage development.
Eligible applicants may purchase, build, rehabilitate, improve or relocate a dwelling in an eligible rural area with 100% financing.
All loans are subject to credit approval.
*Silverton Mortgage is authorized to originate USDA loans, but it is not an agent of, or affiliated with, the U.S. Government.