USDA loans offer zero-down financing for homes in eligible rural and some suburban areas.
A good fit for
- Buyers in qualifying areas with moderate income
How it works
- No down payment required
- Includes an upfront and an annual guarantee fee
- Household income limits apply
Keep in mind
- The property address must be in a USDA-eligible area
Is a USDA Loan right for you?
Every lender's guidelines differ — Chip will shop them for you.
Related loan options
This page is general education, not a loan offer or commitment. Terms, eligibility and availability vary by lender and change over time.