USDA Loans | Lower Mortgage
Skip to content
Apply Now
Ready to get started?

Reach out and give us a call. We’re here to help.

Need support?

Have questions about your current product? Give us a call and we’ll sort it out.

USDA Loans

Affordable home loans with no down payment requirement

A USDA loan is a government-backed mortgage designed to help low- to moderate-income borrowers buy a home in eligible rural and suburban areas. Many USDA loans require no down payment, making homeownership more accessible.

Apply Today
No-impact credit check. No commitment.
A family smiles while running into a new home.
USDA Loan Benefits

Why borrowers choose USDA loans

USDA loans are designed to make homeownership more affordable.

No down payment required for eligible borrowers
Lower monthly mortgage insurance compared to some loan types
Competitive interest rates
Flexible credit guidelines
Designed for primary residences in eligible areas

Is a USDA loan right for you?

A USDA loan may be a good fit if you are buying a home in an eligible area and meet income requirements.

These loans are backed by the U.S. Department of Agriculture and are designed to support homeownership in less densely populated areas.

You might consider a USDA loan if you:

  • want to buy a home with no down payment
  • are purchasing in a rural or suburban area
  • meet income limits for your area
  • plan to use the home as your primary residence

USDA loans are not limited to farms or agricultural properties. Many suburban areas qualify.

USDA Loan Basics

Feature Details
Down payment 0% for eligible borrowers
Income limits Based on location and household size
Property location Must be in a USDA-eligible area
Best for Low- to moderate-income homebuyers
Property types Primary residences only
Loan type Government-backed (USDA)

How to apply for a USDA loan with Lower

Getting started is simple. Our online application takes minutes and doesn't require commitment or a hard credit check. One of our expert loan advisors will walk you through your eligibility and help you explore your options.

A better, all-digital experience with 30,000+ 5-star reviews.

Check ‘em out on: Trustpilot | Google | Zillow | Bankrate

"The entire process was quick and simple. they offered the BEST rates, BEST overall payment, LOWEST monthly payment (and closing costs).... GO WITH THESE GUYS if you are refinancing"
Robert
LendingTree
"I reached out to about half a dozen banks when looking for a Home Mortgage. Lower came back with the best rates and the agent was extremely responsive and helpful."
Shane
LendingTree
"Jake and his team provided outstanding customer service we were able to close our deal in record time (19 days). Excellent feedback was also received from the title company regarding the lender."
AJ
Zillow
A home in a rural area.

Get your personalized USDA loan rate quote

It takes just 3 minutes to apply. After that, a loan officer will review your information and provide a personalized rate quote.

Get my rate quote

Shop for your USDA loan with no credit check

Start with a soft credit check that will not affect your score and see what you may qualify for.

Get pre-qualified now
A beautiful small town in the fall.
A woman smiles while working on a laptop next to her golden retriever.

Dedicated support every step of the way

Buying a home can feel overwhelming, especially if it is your first time. Our loan advisors are here to guide you through the USDA loan process from start to finish.

Work with a Lower advisor today
Frequently Asked Questions

You’ve got USDA loan questions. We’ve got answers.

Do I have to buy a farm to use a USDA loan?

No. USDA loans are not just for farms. Many suburban areas qualify, and the home can be a standard single-family property.

Are there income limits for USDA loans?

Yes. Your household income must fall within limits set for your area. These limits vary based on location and family size.

Can I use a USDA loan for a second home or investment property?

No. USDA loans are only for primary residences.

Learn More

USDA Resources

Ready to get started?

Apply Now >

Clear
Selection