USDA Loans

Looking to buy a home in a rural area? A USDA home loan can help you get the home of your dreams with zero down payment.

The United States Department of Agriculture (USDA) Loan* assists families in mid to low income households with the opportunity to own decent, sanitary, and safe homes in eligible rural areas. This loan allows homebuyers to build new homes, improve existing homes or relocate to a home in a rural area. A USDA Loan also provides a 90% loan note guarantee to approved lenders like us, and requires 0% down along with the chance to use closing cost gift funds.

General Guidelines:

  • Property must be located in a USDA designated rural area
  • Maximum loan limits vary based on location
  • Closing costs can be included in the loan amount, if the appraisal is higher than the sales price
  • No reserves required

*USDA Guaranteed Rural Housing loans subject to USDA-specific requirements and applicable state income and property limits. CMG Home Loans is not affiliated with any government agencies. These materials are not from USDA or RD and were not approved by USDA or RD or any other government agency.

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Monthly Mortgage Payments*

*Hypothetical monthly mortgage payments reflect hypothetical Principal & Interest amounts rounded to the nearest dollar amount and do not include insurance, taxes, or other possible fees. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer.

Need help? Call our award-winning mortgage team at 1-800-3-LOW-RATE

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Capital Mortgage Funding is powered by CMG Home Loans, NMLS ID# 1820

CMG Home Loans is a registered trade name of CMG Mortgage, Inc., NMLS ID #1820 in most, but not all states. CMG Mortgage, Inc. is an equal housing lender. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025.; AK #AK1820; AZ #0903132; Colorado regulated by the Division of Real Estate; Georgia Residential Mortgage Licensee #15438; Hawaii Mortgage Loan Originator Company License No. HI-1820. Mortgage Servicer License No. MS068. Massachusetts Mortgage Lender License #MC1820 and Mortgage Broker License #MC1820; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the New Hampshire Banking Department; Licensed by the NJ Department of Banking and Insurance; Licensed Mortgage Banker – NYS Department of Financial Services; Ohio Mortgage Broker Act Mortgage Banker Exemption #MBMB.850204.000; Licensed by the Oregon Division of Financial Regulation #ML-3000; Rhode Island Licensed Lender #20142986LL; Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending, and Licensed by the Virginia State Corporation Commission #MC-5521. Licensed by the Washington Department of Financial Institutions under the Consumer Loan Act No. CL-1820. CMG Mortgage, Inc. is licensed in all 50 states and the District of Columbia. Offer of credit is subject to credit approval. NMLS Consumer Access (www.nmlsconsumeraccess.org) This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the State of New York will be accepted through this site

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