USDA Loans
USDA Loans
$0-down financing for eligible rural and suburban areas, backed by the U.S. Department of Agriculture - designed for low-to-moderate income buyers with flexible credit.
Why USDA?
- $0 down payment for eligible properties and incomes.
- Competitive fixed rates and reduced mortgage insurance vs some programs.
- Flexible credit guidelines.
- Eligible areas include many communities just outside Sacramento's urban core.
Do I qualify?
USDA loans have property-location and household-income limits. Many areas around Sacramento - in Yolo, Sutter, Yuba, and El Dorado counties - qualify. We'll check your target address and income in minutes.