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USDA Eligibility Essentials
Loan Requirements
Discover the benefits of USDA loans and see if you qualify for
 homeownership with no down payment.

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USDA Loan Program Highlights

Available for purchase, refinance, and construction.
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No Down Payment
0% down payment option available
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Credit Score as low as 600
Accessible financing for qualifying borrowers
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30-year Fixed Rate Loans
Stable, predictable monthly payments

0% Down Payment Example

30-year Fixed Rate USDA Loan Illustration

Total Sales Price

$300,000

Down Payment

$0

Loan Amount

$300,000

Interest Rate

6.5%

Annual percentage Rate (APR)

6.662%

Monthly P&I Payment

$1,896.20
Important Disclosure: Taxes, insurance, and mortgage insurance will be part of the total mortgage payment, but are not included in this example. This example is for illustrative purposes only and may differ from the current interest rate offered. Call for the current rate and full disclosure of current terms.

FHA Loan Amounts Limits

Maximum loan amounts vary by location and property type.
 
Maximum Loan Amounts by Region 

¹Union Home Mortgage does not currently do business in New York, Hawaii, and Guam.

 

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Take the first step toward homeownership with an FHA loan. Our experienced loan officers

are here to guide you through the process and answer all your questions.

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Your trusted partner for USDA loan financing. Helping families achieve homeownership in rural and suburban communities

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Union Home Mortgage Corp.
Union Home Mortgage Corp. NMLS #2229, NMLS Consumer Access website
equal housing logo
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
Union Home Mortgage is not acting on behalf of or at the direction of HUD/USDA or the Federal Government. These materials are not from HUD or USDA and were not approved by HUD or a government agency.

Loans made or arranged pursuant to a California Finance Lenders Law license.

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site.

*500 credit score is still subject to AUS approval. Agency terms and conditions may apply. This credit score is not eligible for Construction to Permanent or Renovation loans.
3.5% down payment example for a 30-year fixed-rate USDA loan: Total sales price $300,000, down payment $10,500, loan amount $289,500, interest rate 6.5%, Annual Percentage Rate (APR) 6.719%, final principal and interest payment $1,829.84. 3.5% down payment example for a 15-year fixed-rate USDA loan: Total sales price $300,000, down payment $10,500, loan amount $289,500, interest rate 6.5%, Annual Percentage Rate (APR) 6.774%, final principal and interest payment $2,521.86. Borrowers with lower credit scores may still qualify for an USDA loan; in some cases, a minimum down payment of 10% may be required based on credit qualifications. Taxes, insurance, and mortgage insurance will be part of the total mortgage payment but are not included in this example. This example is for illustrative purposes only and may differ from the current interest rate offered. Call for the current rate and full disclosure of current terms.
Copyright © Union Home Mortgage Corp. 2026 // 8241 Dow Circle West, Strongsville, Ohio 44136
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Your trusted partner for USDA loan financing. Helping families achieve homeownership in rural and suburban communities

Powered by

Union Home Mortgage Corp.
Union Home Mortgage Corp. NMLS #2229, NMLS Consumer Access website
equal housing logo
We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.
Union Home Mortgage is not acting on behalf of or at the direction of HUD/USDA or the Federal Government. These materials are not from HUD or USDA and were not approved by HUD or a government agency.

Loans made or arranged pursuant to a California Finance Lenders Law license.

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site.
*500 credit score is still subject to AUS approval. Agency terms and conditions may apply. This credit score is not eligible for Construction to Permanent or Renovation loans.
3.5% down payment example for a 30-year fixed-rate USDA loan: Total sales price $300,000, down payment $10,500, loan amount $289,500, interest rate 6.5%, Annual Percentage Rate (APR) 6.719%, final principal and interest payment $1,829.84. 3.5% down payment example for a 15-year fixed-rate USDA loan: Total sales price $300,000, down payment $10,500, loan amount $289,500, interest rate 6.5%, Annual Percentage Rate (APR) 6.774%, final principal and interest payment $2,521.86. Borrowers with lower credit scores may still qualify for an USDA loan; in some cases, a minimum down payment of 10% may be required based on credit qualifications. Taxes, insurance, and mortgage insurance will be part of the total mortgage payment but are not included in this example. This example is for illustrative purposes only and may differ from the current interest rate offered. Call for the current rate and full disclosure of current terms.
Copyright © Union Home Mortgage Corp. 2026 // 8241 Dow Circle West, Strongsville, Ohio 44136