USDA Home Loan With No Down Payment

Own your home with 100% financing — USDA loans make it possible.

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What is a USDA Loan?

A USDA home loan is a government-backed mortgage, also called a rural development loan, that helps qualified buyers purchase homes in USDA-eligible rural and suburban areas with no money down and 100% financing.

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FAQ

What is a USDA home loan?

A USDA home loan is a government-backed mortgage that helps eligible homebuyers purchase a home in qualifying rural and suburban areas with 100% financing and no down payment.

Do USDA loans require a down payment?

No. USDA loans offer 100% financing, meaning qualified homebuyers can purchase a home with 0% down.

Who qualifies for a USDA loan?

To qualify for a USDA loan with Society Mortgage, you must:

Purchase a home in a USDA-eligible area.
Meet USDA household income limits.
Use the home as your primary residence.
Have a credit score of 550 or higher.

What credit score do I need for a USDA loan?

At Society Mortgage, you may qualify for a USDA home loan with a credit score as low as 550, provided you meet the program’s income, property, and underwriting requirements.

What areas qualify for a USDA loan?

USDA loans are available in many eligible rural and suburban communities across the country. You may be surprised to learn that many suburban neighborhoods qualify. We can help you determine if a property is USDA eligible.

Can you switch from a USDA loan to a conventional loan?

Yes. In some situations, refinancing from a USDA loan to a conventional loan can be beneficial—especially once you’ve built enough equity to remove monthly mortgage insurance. With a conventional loan, private mortgage insurance (PMI) may be removed once you meet the equity requirements, which could lower your monthly payment.

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