Conventional & Government
Government — USDA
USDA Rural Development Guaranteed
Zero-down loan for eligible rural and suburban properties with income limits.
Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.
640
Min FICO
100%
Max LTV
Ideal borrower
Low-to-moderate income buyers in USDA-eligible areas.
Program highlights
- 0% down payment
- Income limits apply (115% of Area Median Income)
- Property must be in USDA-eligible area
Typical uses
- Rural/suburban purchase with limited down payment
Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.