USDA Rural Development Loans
Zero-down financing for eligible buyers in qualifying rural and suburban areas.
Why a USDA Loan?
USDA Guaranteed Rural Development loans offer 100% financing for income-eligible households buying in USDA-eligible locations. There is no monthly PMI like conventional; instead, an upfront and annual guarantee fee apply. The property must be the borrower’s primary residence.
About USDA Home Loans
Eligibility is based on location (USDA property map), household income limits for the county, credit, and DTI. Many areas that feel suburban still qualify — it is not limited to farms.
We’ll check the address and household income before you spend time on a property that cannot be financed USDA. If USDA is not available, we compare FHA and conventional so you still have a path.
The USDA Loan Process
Here’s how the process works with Primal Lending.
- 01
Complete our simple qualifier so we understand your goals, timeline, and credit profile.
- 02
Receive options based on your unique scenario — program, term, occupancy, and property type.
- 03
Choose the offer that best fits your payment, down payment, and long-term plans.
- 04
We coordinate processing, appraisal, and closing so you can move with confidence.