U.S. Department of Agriculture (USDA) Loans

Dreaming of homeownership but worried about the upfront costs? A USDA loan might be exactly what you need.

The U.S. Department of Agriculture (USDA) offers a loan program specifically designed to help low- to moderate-income households purchase homes in eligible rural areas—and the best part? No down payment required.

Why Choose a USDA Loan?

0% Down Payment

You read that right—no money down. USDA loans make it possible to buy a home with zero down payment and up to 103% financing (depending on the appraisal) to help cover closing costs.

Affordable Path to Homeownership

This program is ideal for individuals and families with limited savings who want a chance to own a home and build equity.

Location-Based Opportunity

USDA loans are available for homes in eligible rural areas, supporting community growth and development where it’s needed most.

Income-Based Eligibility

Designed for low to moderate incomes, this loan offers a chance at homeownership where other programs might fall short.

Is Your Dream Home Eligible?

There are location and income restrictions, so the best way to find out if you qualify is to reach out to me today. I'll walk you through the process, help determine your eligibility, and guide you every step of the way.

Profile picture of Stephen Palermo loan officer with Gold Standard Mortgage explaining Understanding Mortgage Refinancing

Contact me today to find out if you qualify and learn how the right loan can work for you. At Gold Standard Mortgage, I'm proud to help you turn your dream of homeownership into a reality.