• Max LTV 100% Min FICO 550

 

Zero Down. Fixed Terms. Expanded Reach.

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The USDA Single Family Housing Guaranteed Loan Program delivers 100% financing for qualified buyers purchasing homes in USDA-eligible areas, offering a powerful path to affordability with stable, government-backed financing.

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Why It’s Useful

USDA loans allow brokers to place buyers with no down payment, competitive fixed rates, and clear eligibility standards, unlocking opportunity in markets where affordability matters most.

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Key Highlights

• 100% financing available

• No down payment required

• Designed for primary residences

• Competitive fixed-rate terms

• Government-guaranteed to support affordable lending

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Program Snapshot

• Purchase transactions

• Income-based eligibility (up to 115% of area median income)

• Properties located in USDA-eligible rural and suburban areas

• 30-year fixed-rate financing

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When to Use

When buyers are seeking maximum affordability, zero down, and a reliable alternative to FHA or conventional financing in eligible locations.