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Guaranteed by the USDA*, this mortgage option was originally created to help rural Americans purchase a home of their own. USDA home loans provide significant benefits to homebuyers who qualify.

What you need to know about USDA loans

The USDA home loan was created to improve the economy and quality of life in rural and suburban America. It has less stringent qualifications and credit requirements compared to many other financing options. No down payment is required for a USDA mortgage up to the appraised value of the home when the county maximum loan limit is not exceeded. Income limits to qualify vary by location and depend on household size. 

If you’re interested in a USDA loan, getting pre-qualified is a great place to start. If the home you want to purchase is not in a location that qualifies, consider an FHA loan* or conventional financing. Talk to your Certainty Loan Officer to see if you qualify today.  


Finance Your Home with Confidence Guide

Buying your dream home is possible! And with Certainty by your side, you can navigate the mortgage process with confidence. This guide is to help you navigate your financing journey and help you know what to expect every step of the way.


*Certainty Home Lending has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture or any other government agency.

No down payment Icon

No down payment for qualifying homebuyers in designated areas

Flexible qualifying guidelines Icon

Flexible qualifying guidelines that allow low to moderate income borrowers

Allows seller contribution Icon

Allows seller contribution for closing costs

Great interest rate Icon

Great interest rate options because these are backed by the government

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