USDA Home Loans: Zero-Down Rural Housing Financing

USDA guaranteed loans can offer 100% financing for eligible primary residences in approved rural and suburban areas, subject to household-income and property-location rules.

Get a personalized estimate →Talk to a loan officer

Down payment

Potentially 0%

Occupancy

Primary residence

Eligibility

Income and location based

How usda loan financing works

USDA guaranteed loans can offer 100% financing for eligible primary residences in approved rural and suburban areas, subject to household-income and property-location rules.

Qualification is personal

Published minimums are not an approval. Income stability, debts, credit history, assets, occupancy, property type and automated underwriting all affect the available terms. An HCMG loan officer can compare the complete scenario without presenting a one-size-fits-all answer.

Compare the full cost

Review the interest rate, APR, mortgage insurance or guarantee fees, closing costs, cash to close and payment-change risk. The lowest advertised payment is not necessarily the lowest-cost or safest option over the time you expect to own the home.

Mortgage Calculator

USDA Loan payment estimate

Adjust the assumptions, compare the payment components, and connect with a licensed loan officer when you are ready.

✓Full PITI breakdown — Principal, Interest, Taxes & Insurance
✓FHA, VA, USDA & Conventional loan types
✓Complete amortization schedule included

Get my personalized estimate →

Loan Type

Home price$425,000

Down payment20% = $85,000

Interest rate6.375%

Loan term

Estimated total monthly payment (PITI)

$2,706/mo

P — Principal & Interest$2,121

I — Property Taxes (est.)$425

I — Homeowner's Insurance (est.)$159

Cash to close (est.)$93,500 – $97,750

Get my exact rate →

Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.

🔒

Your estimate is ready

Enter your info to unlock your full PITI breakdown.

By submitting this form, I agree to be contacted by Harris Capital Mortgage Group, LLC (NMLS# 1918223) regarding my mortgage inquiry. I consent to receive calls, texts, and emails. Message and data rates may apply. Reply STOP to opt out of texts at any time. * Required

Common questions

Is a usda loan automatically the best option for me?

No. The best loan depends on your finances, property, goals and available programs. Compare multiple eligible paths with a licensed loan officer.

Can I get an estimate without a hard credit inquiry?

Yes. HCMG's website estimate uses information you provide and does not itself perform a hard credit inquiry. A formal application and underwriting process are required for approval.

Are rates and program rules guaranteed?

No. Rates, limits, fees and eligibility can change. Your loan officer will confirm the current terms and requirements for your property and application date.