The basics
This program supports eligible low- and moderate-income households. Household income and the property’s location are key requirements. The home must be a primary residence, and lender qualification requirements still apply.
Check the address early
A mailing address or the way a neighborhood feels is not a reliable eligibility test. Use USDA’s eligibility resources and have the lender verify the location and household requirements.
Plan for more than the down payment
No down payment does not eliminate closing costs, program fees, or ongoing taxes and insurance. We’ll compare the entire financing structure and available options rather than choosing a program based only on upfront cash.
Further readingUSDA: Guaranteed Loan ProgramGeneral education reviewed October 8, 2026. Lender examples illustrate program types; they do not establish approval or a specific lender recommendation.