USDA ZERO Down Loan 580 Minimum Credit

USDA Zero Down Loan:
The U.S. Department of Agriculture offers a variety of programs to help low to moderate-income individuals living in small towns or rural areas achieve homeownership. The Rural Housing Service (RHS) helps qualifying applicants, who cannot receive credit from other sources, purchase modestly priced homes as their primary residence.RHS Loans are an attractive option because:

  • 580 Minimum Credit Score
  • Minimal closing cost
  • Low or no down payment
  • Seller is allowed to pay all your closing costs

Use the link below to check USDA loan Property Eligibility;



RHS loans can be used toward the purchase and renovation of a previously owned home or a new construction. Families must be able to pay their monthly mortgage, homeowner’s insurance and property taxes.

For all loans locked on or after January 1, 2020, the max loan amount will be the 2020 conforming high balance limit.

Conforming Loans with a 1% Down Payment