USDA loans are backed by the U.S. Department of Agriculture — offering $0 down payment financing for eligible homes in rural and suburban areas.
Share a few details and our team can walk you through your USDA financing options.
Prefer to talk now? 954-590-8464A USDA loan is guaranteed by the U.S. Department of Agriculture and issued by approved lenders like us. Because the USDA backs the loan, eligible buyers can finance 100% of the purchase price — no down payment required.
It's designed for buyers in eligible rural and suburban areas, and it is often the most affordable path to homeownership for moderate-income households.
USDA loans make homeownership reachable in eligible areas — with terms that fit moderate incomes.
Finance 100% of the purchase price — no down payment required for eligible buyers.
USDA loans carry a guarantee fee rather than the monthly mortgage insurance FHA requires.
Government backing helps lenders keep rates competitive and predictable.
Buy a home or refinance an existing USDA loan with the same program.
A USDA streamline refinance can lower your payment with reduced documentation.
We check property eligibility and income limits before you fall in love with a house.
These are typical USDA guidelines. Your exact scenario is reviewed one-on-one by a specialist.
Most USDA lenders look for around a 640 score, though guidelines can be more flexible with compensating factors.
No down payment is required for eligible buyers. Closing costs may be covered by the seller or gifted.
Guidelines generally allow a DTI up to 41%, with some flexibility when compensating factors are present.
Household income must fall within county limits — typically 115% of the area median income.
The home must be in an eligible rural or suburban area. We verify the address before you proceed.
The home must be your primary residence — USDA loans are not for investment properties.
Complete one application and tell us about your goals and timeline.
We review your file, check USDA guidelines, and lock your rate.
We handle the details with your agent and title team — keys in hand.
USDA eligibility is map-based. Many suburban and small-town addresses qualify even if they don't feel rural. We check your specific property address against the USDA eligibility map before you proceed.
Correct — eligible buyers can finance 100% of the purchase price with no down payment. A guarantee fee applies, and closing costs may be covered by the seller or gifted funds.
Yes. Household income must generally fall within 115% of the area median income for the county, adjusted for household size. We verify this early so there are no surprises.
Submitting the contact form does not trigger a credit inquiry. If a credit pull is needed, we explain the process and get your permission first.
Talk to an Eagles Funding Group specialist about your USDA options — we'll guide you from application to keys.
