A USDA guaranteed loan offers 0% down for primary homes in USDA-eligible areas, which include much of Washington outside major urban cores. Household income must be at or below 115% of the area median. There is a 1% upfront guarantee fee and a 0.35% annual fee.
USDA at a glance
- 0% down on a primary residence in an eligible area.
- Income limit: total household income up to 115% of area median income.
- Fees: 1% upfront guarantee fee (can be financed) and 0.35% annual fee.
- Eligibility map: check an address on the USDA eligibility site.
Common questions
Is my town eligible for a USDA loan?
Eligibility is by address. Many towns in Eastern, Central and Southwest Washington and parts of the Olympic and Kitsap peninsulas qualify. Check the USDA eligibility map or send Kristen the address.