USDA Loans
Do USDA loans require a down payment?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
No. USDA loans offer true 100% financing with no down payment for eligible buyers, which makes them one of the few zero-down options alongside VA. You can even finance the guarantee fee.
You'll still need funds for closing costs, though seller concessions or a lender credit can cover those. We'll structure a USDA purchase to minimize your cash to close.
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