USDA Rural Advantage

“USDA eligibility isn't about farms and fields. It covers 97% of U.S. land area including suburbs, small cities, and exurban communities that most borrowers would never guess qualify.”

“USDA is one of only two zero-down-payment mortgage programs in America (the other is VA). For borrowers without $15,000-$40,000 in savings, this single feature can mean the difference between owning and renting for years.”

“USDA has income limits — but they're based on area median income, adjusted for household size, with deductions for childcare, elderly care, and disability. Many families earning $90,000-$110,000+ qualify.”