Helping homebuyers in Virginia, Maryland, and Washington, DC qualify for affordable zero‑down USDA financing with flexible credit options and competitive rates.
USDA loans offer affordable, zero‑down‑payment financing for eligible homebuyers in designated rural and suburban areas. Backed by the U.S. Department of Agriculture, this program is designed to help low‑to‑moderate‑income borrowers achieve homeownership with flexible credit requirements and competitive interest rates.
If you’re looking for an affordable path to buying a home, a USDA loan may be the perfect fit.
Borrowers who don’t qualify for USDA may consider FHA no-down payment Loans
A USDA loan is a government‑backed mortgage designed to make homeownership more accessible in rural and suburban communities. These loans offer:
USDA loans are available for primary residences only and must be located in eligible areas.
Buy a home with no money down, making homeownership more accessible.
USDA loans offer reduced mortgage insurance and competitive interest rates.
Perfect for borrowers with limited or average credit history.
Closing costs can be paid by the seller, covered by lender credits, or even rolled into the loan (if the appraisal is high enough).
USDA eligibility includes more than just farmland — many suburban neighborhoods qualify.
To qualify, borrowers must meet:
Household income must fall within USDA limits for your area.
The home must be located in a USDA‑eligible rural or suburban area.
Most lenders look for a 640+ score, but lower scores may be approved with strong compensating factors.
The home must be your primary residence.
Issued by approved lenders and backed by the USDA.
For very low‑income borrowers; funded directly by the USDA.
For eligible homeowners needing repairs or improvements.
USDA loans do not require PMI, but they do include:
These fees are generally lower than FHA mortgage insurance.
You may be eligible if:
A USDA‑approved lender can verify eligibility quickly.
USDA loans require specific documentation to verify income, residency, and eligibility. Most borrowers will need:
Our team helps you gather everything quickly and ensures your file meets USDA guidelines.
ABC United Finance is committed to helping homebuyers access affordable USDA financing with confidence. Our team understands the unique requirements of rural and suburban homebuyers and provides personalized guidance every step of the way. When you work with us, you benefit from:
Your goals matter — and we’re here to help you achieve them.
Yes — USDA loans offer 100% financing for eligible buyers.
No. Most USDA‑eligible areas are suburban neighborhoods.
No. USDA loans are for primary residences only.
Yes — USDA offers streamlined refinance options.
Your lender can check instantly using the USDA eligibility map.
Whether you're a first‑time buyer or looking for an affordable path to homeownership, our USDA loan specialists are here to guide you every step of the way. Discover how zero‑down financing can help you move into your new home with confidence.
⭐⭐⭐⭐⭐ “ABC United Finance made my USDA loan process incredibly smooth. I had no idea I could buy a home with zero down, but they walked me through every step and made it simple. I’m now a homeowner thanks to their guidance.” – Melissa J., Fredericksburg, VA
⭐⭐⭐⭐⭐ “Professional, responsive, and very knowledgeable about USDA loans. They checked the eligibility of the property right away and helped me qualify even with limited savings. Highly recommend their team.” – Corey S., Waldorf, MD
⭐⭐⭐⭐⭐ “I was nervous about buying my first home, but ABC United Finance explained everything clearly. The USDA loan allowed me to purchase with no down payment, and the monthly payment was lower than I expected.” – Jasmine L., Winchester, VA
