USDA Loans

A zero-down mortgage for qualifying rural and suburban buyers, featuring competitive rates and affordable monthly payments.

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What Is a USDA Loan?

A USDA loan is a government-backed mortgage designed to make homeownership more affordable in eligible rural and suburban areas. With 0% down payment required, competitive interest rates, and reduced mortgage insurance costs, this program offers a low-cost path to owning a home—without needing years of savings upfront. To qualify, your household income must meet USDA guidelines, and the property must be located in a designated USDA-eligible area. These areas often include charming small towns, expanding suburbs, and communities just outside major metro hubs—many of which are closer to city life than you might expect. Whether you’re looking for more space, a quieter neighborhood, or the opportunity to own instead of rent, USDA financing can help make that move possible.

Why Choose a USDA Loan?

For buyers who meet the location and income requirements, USDA loans are one of the most budget-friendly ways to purchase a home. With no down payment and often lower interest rates than FHA or conventional loans, you can keep more money in your pocket while enjoying long-term savings on your monthly payment. The program’s flexible credit standards and reduced upfront costs make it ideal for first-time buyers and those who want to maximize their purchasing power. And because it’s backed by the U.S. Department of Agriculture, you can count on a stable, well-established program built to support sustainable homeownership.

How to Get Started

Exploring your USDA loan eligibility with Elliman Capital is simple. Start with our quick online application, and our lending experts will confirm if your desired property is in a USDA-approved area and if your income qualifies. From there, we’ll guide you through every step—ensuring you understand your options, feel confident in your decision, and move forward with ease. Your dream home may be closer (and more affordable) than you think. Let’s find out together.

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