USDA loans: $0 down outside the city core
Many Utah communities outside the most urban areas qualify for USDA financing. It's one of the few true zero-down programs available.
- $0 down on eligible properties
- Lower guarantee fees than FHA mortgage insurance
- Household income limits apply
Real numbers. Straight answers. No pressure.
Tell us a little about your goals. Nelson will reach out the same business day with options from dozens of wholesale lenders.
See if you qualify: free, no commitment.
No pressure. Nelson will give you a straight answer about whether this works for your situation.
Does your area qualify?
USDA eligibility is based on the property's location and your household income. Eligible areas are mapped by USDA, and they often include more of Utah's growing towns than buyers expect.
We'll check the address and your household income against current limits before you fall in love with a house.
This is a good fit if you…
- Are buying a primary home in an eligible area
- Have household income within USDA limits
- Have limited savings for a down payment
- Have a credit score around 640+
USDA advantages
Zero down
Finance 100% of the purchase price.
Lower mortgage insurance
USDA guarantee fees are typically lower than FHA MIP.
Fixed 30-year terms
Stable payments for the life of the loan.
Buyers keep coming back
Nelson and Danna did an outstanding job processing everything for my VA loan. They were very quick and responsive, and everything went much quicker than I expected. I was very happy with the rate and fees they were able to get for me.
This is the 2nd time we have worked with them to buy a house… They helped us to ensure that we configured our mortgage the best way possible for our needs. They were in constant contact with us to make adjustments to get us the best deal possible.
I could not have been happier with my experience! Nelson and Danna went way above and beyond… you will get an incredible attention to detail, but most of all you will feel like you're talking to your friends.
Questions we hear often
How do I know if a property is USDA eligible?
Send us the address and we'll check the USDA eligibility map.
What are the income limits?
They vary by county and household size. We'll confirm the current limits for your situation.
Can I buy a farm with a USDA loan?
No. USDA guaranteed loans are for primary residences, not income-producing farms.
Ready to see what you qualify for?
Talk with Nelson for 15 minutes. You'll leave with real numbers and a clear plan.