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USDA Home Loans

What Is a USDA Loan?

A USDA loan is a government-backed mortgage designed to help eligible buyers purchase a home with no down payment. These loans are available in qualifying suburban and rural areas and offer affordable monthly payments.
Zero-down home loans for eligible buyers in qualifying areas.
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Buyers Looking for Zero Down

USDA loans are ideal for buyers who want to purchase a home without a down payment.

Homes in Eligible Areas

This loan is available for properties located in USDA-approved areas, which may include parts of San Diego County.

No Down Payment Required

Qualified buyers can finance 100% of the home price.

Lower Monthly Payments

USDA loans often feature competitive interest rates and reduced mortgage insurance costs.

Income & Location Eligibility

Borrowers must meet income limits and purchase a home in an eligible USDA area.

Credit & Income Review

Stable income, reasonable debt-to-income ratio, and acceptable credit history are required.

Frequently asked questions

Do USDA loans really require no down payment?

Yes, qualified borrowers can purchase with 0% down.

Not always. Many suburban areas qualify—eligibility depends on location.

Yes. USDA loans are popular among first-time buyers.