Zero Down Payment
Rural Home Loans
Finance 100% of your home purchase in eligible rural and suburban areas. No down payment required, competitive rates, and flexible credit requirements.
Quick Eligibility Check
Why Choose a USDA Loan?
USDA loans offer unmatched benefits for eligible homebuyers looking to purchase in rural and suburban areas.
$0 Down Payment
Finance 100% of your home purchase with no down payment required
Low MI Rates
Lower mortgage insurance than FHA loans saves you money monthly
Flexible Credit
Credit scores as low as 640 accepted with automated underwriting
Many Eligible Areas
Suburban and rural areas throughout Massachusetts qualify
How USDA Loans Compare
See why USDA loans are often the best choice for eligible rural and suburban homebuyers
| Loan Type | Down Payment | Credit Score | Mortgage Insurance | Location | Income Limits |
|---|---|---|---|---|---|
| USDA | 0% | 640+ | 0.35% | Rural/Suburban | Yes |
| FHA | 3.5% | 580+ | 0.85% | Anywhere | No |
| Conventional | 3-20% | 620+ | Varies | Anywhere | No |
| VA | 0% | No minimum | None | Anywhere | No |
Check Your Area Eligibility
Many suburban areas qualify for USDA loans. Use our tool to check if your desired location is eligible.
Eligible Areas in Massachusetts
Not seeing your area?
Many more Massachusetts towns and suburbs are eligible! The USDA eligibility map is updated regularly.
Property Eligibility Checker
Qualification Requirements
USDA loans are designed for moderate-income families. Check if you meet the requirements below.
Income Eligibility Calculator
Income Limit for 2 person(s):
$136,600
Additional Income Considerations
- Income from all household members counts
- Certain deductions may apply
- Limits vary by county
Key Requirements Checklist
Property Location
Must be in USDA-eligible rural or suburban area
Income Limits
Cannot exceed 115% of median area income
Primary Residence
Must occupy as your primary home
Credit Score
640+ for automated underwriting
US Citizenship
Must be US citizen or permanent resident
Your Path to Homeownership
Our streamlined process makes getting a USDA loan simple and stress-free
Pre-Qualification
Quick 5-minute form to check eligibility and get pre-approved
Same day response
Home Search
Find your perfect home in USDA-eligible areas
We help verify eligibility
Underwriting
Fast processing with dedicated USDA specialists
21-30 day average
Close & Move In
Smooth closing process with no surprises
Welcome home!
What Our Clients Say
Real reviews from Massachusetts families who achieved their dream of homeownership
Common Questions About USDA Loans
Yes! USDA loans offer 100% financing, meaning you can finance the entire purchase price of your home without a down payment, as long as you meet the eligibility requirements.
Many areas outside major cities qualify, including parts of Western Massachusetts, Central Massachusetts, and some suburban communities. The eligibility map is updated regularly, so even if an area wasn't eligible before, it might be now!
While USDA doesn't set a minimum credit score, most lenders require at least 640 for automated underwriting. Manual underwriting may be available for scores below 640. We work with multiple lenders to find the best options for your situation.
USDA loans require the home to be move-in ready and meet certain property standards. However, minor repairs can often be addressed with a repair escrow. For major renovations, we can help you explore USDA renovation loan options.
The typical USDA loan process takes 30-45 days from application to closing. This includes property eligibility verification, income verification, and USDA's final approval. Our experienced team works to expedite the process whenever possible.
Ready to Make Your Move?
Join thousands of Massachusetts families who found their perfect home with our help. Get pre-approved in minutes with no impact to your credit score.