USDA Loans
Buy a home with zero down payment through the USDA Rural Development Guaranteed Loan Program. Available to eligible buyers in rural and suburban areas of Northern Virginia.
Why Choose a USDA Loan?
USDA loans are one of the few remaining loan programs that offer true 100% financing — no down payment required.
Eligibility Requirements
USDA loans have specific requirements around property location and borrower income. Here is what you need to qualify.
* USDA eligible areas and income limits change periodically. Contact us to verify current eligibility for your specific address and household size.
The USDA Loan Process
USDA loans require an additional approval step from the USDA agency. Here is what to expect from start to finish.
Check Eligibility
Verify the property address is in a USDA-eligible area and that your household income falls within the limits.
Get Pre-Qualified
We review your income, credit, and assets to determine your loan amount and confirm USDA eligibility.
Find Your Home
Work with a real estate agent to find a qualifying property in an eligible rural or suburban area.
Loan Processing
We prepare your complete file and submit it to USDA for a conditional commitment.
USDA Approval
USDA reviews and issues a conditional commitment. This step adds time — plan for 30–45 days total.
Close on Your Home
Sign final documents, pay any remaining closing costs, and get the keys to your new home.
Ready to Buy with Zero Down?
Our loan officers will check your eligibility, verify the property address, and guide you through every step of the USDA loan process.