USDA


If you’re looking for a 100% financing program and don’t mind living outside the city, the USDA (United States Department of Agriculture) program may be right for you.  To find out if an area or a specific property is eligible, follow this link to the USDA’s site to determine the “Property Eligibility.”  You can click here to get information about the income limits for the USDA program.  This program is unlike any other program in that the income of every person living in the household is counted toward the income limit, even if that person will not be on the loan.  There are exceptions to this rule but it complex so we recommend you reaching out to us with specific questions about eligibility.

USDA has a one-time upfront fee of 1% (can be financed into the loan) in addition to the regular costs associated with purchasing a home and an annual fee of .35% (paid monthly as part of the monthly mortgage payment). 

Basic Pre-Approval

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