Government
USDA Loan
$0 down for eligible rural and suburban homes.
Down payment
$0
Property
Must be in eligible area
Income
Limits apply
Terms
30 year fixed
Overview
USDA loans support homeownership in eligible rural and many suburban areas with no down payment and reduced mortgage insurance. Income limits apply, but the eligible map is broader than most buyers expect.
Best for
- Buyers in USDA-eligible areas
- Low-to-moderate income households
- Those wanting $0 down outside the VA program
When it's not the fit
- The property is in an ineligible metro area
- Your household income exceeds program limits
How it works with BISU
- 1
We check the property address against the USDA eligibility map.
- 2
We verify household income against program limits.
- 3
We structure a $0-down purchase.
- 4
We close with reduced mortgage insurance costs.
Frequently asked
Is my area eligible?
Eligibility is broader than 'farmland' — many suburbs qualify. Send us an address and we'll check instantly.
Compare with other programs
View all loan programs →