USDA Rural Loans – 0% Down Payment
100% financing for eligible rural and suburban homes. Keep your savings and still buy the right property. Expert guidance from Joe Metzler and the Metzler Mortgage Team at Cambria Mortgage.
Why Choose a USDA Rural Loan?
True zero-down financing for eligible properties — not just farms.
0% Down Payment
Finance 100% of the purchase price. Keep your cash for moving costs, reserves, or improvements.
Lower Mortgage Insurance
USDA guarantee fees are typically lower than FHA mortgage insurance, which can mean a smaller monthly payment.
Eligible Suburban Areas
Many properties just outside city limits qualify. We’ll check any address for you at no cost.
Competitive Rates
USDA loans often offer rates below conventional options for qualified borrowers.
Seller Concessions
Sellers can contribute toward closing costs, reducing the cash you need at closing.
Streamline Refinance
Existing USDA loans can often be refinanced with reduced paperwork and no appraisal.
USDA Loan Requirements
Here’s what most borrowers need to qualify.
Property Location
Must be in a USDA-eligible rural or suburban area. We verify any address instantly.
Income Limits
Household income must be within county limits (varies by location and household size). Most moderate-income families qualify.
Primary Residence
You must live in the home as your main residence. Investment properties do not qualify.
Credit Score
Most lenders look for 640+. We can review lower scores on a case-by-case basis.
Debt-to-Income
Stable income and an acceptable debt-to-income ratio are required. We’ll run the numbers for you.
Property Condition
The home must meet USDA safety and livability standards (safe, sound, and sanitary).
USDA vs. Other Low-Down-Payment Loans
| Feature | USDA | FHA | VA |
|---|---|---|---|
| Down Payment | 0% | 3.5% | 0% |
| Mortgage Insurance | Lower annual | Upfront + annual | None |
| Best For | Rural/suburban buyers | Lower credit / first-time | Veterans & service members |
| Eligibility | Income + location | Credit + income | Military service |
USDA Loan FAQs
Do I have to live in the country?
No. Many suburban areas just outside city limits qualify. We’ll verify any specific address for you.
What are the income limits?
Limits vary by county and household size. Most moderate-income families qualify — we’ll calculate it for your situation.
Can I refinance an existing USDA loan?
Yes. Existing USDA loans can often be refinanced with a streamline process (no appraisal in many cases).
What’s the minimum credit score?
Most lenders look for 640+. We can review lower scores on a case-by-case basis.
Are there closing costs?
Yes, but sellers can contribute, and we can often structure the loan so your cash-to-close is minimal.
Can I use gift funds?
Yes, in many cases. We’ll outline the documentation needed for your specific scenario.
Ready to See If You Qualify for 0% Down?
Joe Metzler and the Metzler Mortgage Team have helped hundreds of families use USDA loans. Let’s check your address and income — no obligation.
Or call Joe directly: (651) 552-3681