USDA loans, guaranteed by the U.S. Department of Agriculture’s Rural Development program, offer no down payment for eligible buyers purchasing in eligible rural and suburban areas — which include far more communities around Kentucky, Indiana, Georgia, and Tennessee than most people expect. Entire counties near growing suburbs can qualify, so don’t rule it out based on the word “rural.”
Good fit if: your household income falls within USDA limits for your county (generally up to 115% of the area median), you’re buying a primary residence, and the property sits inside the USDA eligibility map. I’ll check both tests for your address in minutes.
USDA charges a modest upfront guarantee fee and a low annual fee — typically cheaper than FHA mortgage insurance — which helps keep the monthly payment down. The combination of zero down and low fees makes USDA one of the most affordable paths to ownership if you and the property qualify. If the home you love sits outside the map or your income is over the limit, I’ll pivot you to FHA, HomeReady, or conventional with the numbers to compare.
True Home Lending is operated by Navaneet Dutt, Mortgage Loan Originator, NMLS #2262708, with Loan Factory, NMLS #320841. All loans are subject to credit and property approval. Program availability, rates, terms, and conditions are subject to change without notice and may vary by state, lender, and borrower profile. Not all applicants will qualify. This content is for education only and is not a quote, a loan approval, or a commitment to lend. Equal Housing Opportunity.