USDA Loans
100% Financing for Eligible Locations.
USDA Rural Development loans offer 100% financing for eligible properties in rural and suburban areas. Many borrowers are surprised to learn that large portions of Colorado, Nebraska, and Florida qualify — including suburban areas near major cities.
2026 Program Requirements
Key Benefits
- Zero down payment — 100% financing
- Lower mortgage insurance than FHA
- Competitive fixed interest rates
- Guarantee fee can be financed into loan
- Available for moderate-income households
- Eligible in many suburban Colorado, NE & FL areas
- No maximum loan amount (income/area limits apply)
- Seller concessions allowed
The Process
Eligibility Check
We verify both property location eligibility and household income eligibility using USDA's online tools.
Pre-Approval
USDA pre-approval through GUS (Guaranteed Underwriting System) automated system.
USDA Appraisal
USDA appraisals include property condition requirements similar to FHA.
USDA Conditional Commitment
After lender approval, the file goes to USDA for their conditional commitment — add 3-5 business days.
Close
30-45 day close accounting for USDA review time.
Frequently Asked Questions
How do I know if a property is USDA-eligible?
We use the USDA's official eligibility map. Many suburban areas within 30-60 minutes of major cities qualify. We check this for every client in our three licensed states.
Is there an income limit for USDA?
Yes — household income cannot exceed 115% of the area median income. Limits vary by county and household size. We calculate this precisely for your situation.
Ready to Get Started?
Daryl will review your scenario and provide a detailed breakdown of your options — at no cost or obligation.