USDA Home Loans | Zero Down in Small Towns in Iowa & the Midwest

The USDA Single Family Housing Guaranteed Loan Program helps buyers purchase homes in rural areas and small towns with no down payment. You don't need to farm, and the home doesn't need to be on acreage.

USDA loan highlights

No down payment for eligible buyers
Lower guarantee fees than FHA mortgage insurance in many cases
Seller contributions allowed toward closing costs
Flexible credit guidelines

Eligibility

Location: the home must be in a USDA-eligible area. Most small towns qualify.
Income: household income at or below the county limit
Occupancy: the home must be your primary residence

Small towns are my specialty

I help buyers in small towns across Iowa and the states where I'm licensed. Small-town loans have their own considerations, like appraisals with fewer comparable sales and well and septic inspections. Here's what to expect.

Getting started

Send me the address you're considering and I'll check USDA eligibility. Reach out or apply online.

Frequently asked questions

Where can I use a USDA loan?

In USDA-eligible areas, which include most small towns and rural areas in Iowa, Illinois, Missouri, Kansas, Wisconsin and Colorado. Check any address on USDA's property eligibility map.

Is there an income limit for USDA loans?

Yes. Total household income must be at or below USDA's limit for your county and household size. The limits are set for moderate-income households, so many working families qualify.

Do USDA loans require mortgage insurance?

USDA loans have an upfront guarantee fee, usually financed into the loan, and an annual fee paid monthly. They're often lower than FHA mortgage insurance.