USDA loans
Zero down for eligible homes in less-dense areas.
A USDA loan is a government-backed mortgage for homes in eligible areas, which include a lot of the less-dense suburbs around Northern Virginia, not just farmland. For buyers who qualify by location and income, it allows a zero-down purchase. It's an underused program that fits more buyers than people expect.
- 01Buyers looking in eligible suburban and rural areas
- 02Households within the program's income limits
- 03Anyone who wants a zero-down option but isn't VA-eligible
Zero down for eligible buyers
USDA is one of the few zero-down programs open to non-veterans. We check the address and your income against the program limits.
Location-based
Eligibility is tied to the property's location. Plenty of commutable areas qualify. I'll check any address for you.
Income limits apply
There are household income caps that vary by area. We confirm where you land before you fall in love with a house.
USDA loans, answered.
- Does USDA mean the house has to be on a farm?
- No. The eligible map covers many suburban areas, not just rural land. Send me an address and I'll tell you in a minute whether it qualifies.
- How do I know if I'm under the income limit?
- USDA sets household income caps by area and family size. It's a quick check, send me your numbers and the area and I'll confirm.
That's what the first call is for.
Tell me your situation and I'll tell you which programs actually fit. Ten to fifteen minutes, no paperwork.
This page is general information about loan programs, not a commitment to lend or an offer of credit. Program availability, terms, and qualification depend on your situation and are subject to underwriting approval. Tareq Maayta, NMLS #1443073. Loans through Finance USA Corporation, NMLS #135625. Equal Housing Opportunity.