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USDA Section 502 Guaranteed Loan
U.S. Department of Agriculture
0% down, low rates for rural areas
Overview
Zero down payment loan for moderate-income buyers in USDA-designated rural areas.
Detailed requirements
No down payment. Property must be in USDA-eligible rural area (check map at eligibility.sc.egov.usda.gov). Income must not exceed 115% of area median income. Must be primary residence. Reasonable credit history.
Eligibility at a glance
- Max income (% AMI)
- 115%
- Owner-occupied required
- Yes
Note: Property must be in USDA-eligible rural area. Household income must be ≤115% AMI.
Ready to apply?
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Last verified 2026-09-02. Updated weekly. Always confirm details on the official program page before applying.