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$0 Down for Eligible Rural & Suburban AreasUSDA loans offer 100% financing in eligible areas — and 'rural' covers far more of Oregon, Washington, and Arizona than most buyers expect.
Backed by the U.S. Department of Agriculture, USDA loans reward buyers in eligible communities with true 100% financing. The catch most people get wrong: 'rural' is broad. Plenty of suburbs and smaller towns around the Portland metro, the Pacific Northwest, and Arizona qualify — it's always worth checking before you assume it's off the table.
USDA eligibility comes down to two things: the property's location and your household income. Both have limits that vary by county. It takes Mindy just a moment to check an address and your income against the current maps — so you'll know for sure instead of guessing.
Buyers routinely assume they don't qualify because they're not on a farm. In reality, many growing suburbs and smaller communities are inside USDA-eligible zones. If you're open to those areas, this loan can save you the entire down payment.
Possibly — eligible areas are broader than most people think. Send Mindy the address and she'll check it against the current USDA map right away.
Yes. USDA loans are for low-to-moderate income households, with limits set by county and household size. Mindy will confirm whether you fall within them.
For eligible buyers and properties, yes — USDA offers 100% financing, meaning no down payment is required. A guarantee fee applies and can often be financed.
Primary residences in eligible areas, typically single-family homes. Investment and vacation properties are not eligible.
Get pre-approved, ask a question, or just see what's possible. No pressure — real answers.