USDA Loans
At Alpha Mortgage, we believe every family deserves the opportunity to own a home—even in rural towns and suburban neighborhoods where options can sometimes feel limited. The USDA Loan program, backed by the U.S. Department of Agriculture, helps make that possible with no down payment, flexible credit qualifications, and competitive fixed rates.
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What Are USDA Loans?
Down Payment & Financing Features
- No down payment required in most cases
- 100% financing available for eligible borrowers
- Competitive fixed interest rates
- Closing costs may be rolled into the loan or covered by seller concessions
Eligible Property Types
USDA loans are intended for primary residences only, which means:
- Single-family homes typically qualify
- Certain manufactured homes may be eligible if they meet HUD standards and are permanently attached to the land
- Investment properties, vacation homes, and second homes are not permitted
Need More Info?
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Need More Info?
Please provide your contact information below, and a Mortgage Loan Officer will be in touch soon.
What Are USDA Loans?
Down Payment & Financing Features
- No down payment required in most cases
- 100% financing available for eligible borrowers
- Competitive fixed interest rates
- Closing costs may be rolled into the loan or covered by seller concessions
Eligible Property Types
USDA loans are intended for primary residences only, which means:
- Single-family homes typically qualify
- Certain manufactured homes may be eligible if they meet HUD standards and are permanently attached to the land
- Investment properties, vacation homes, and second homes are not permitted
Income Guidelines
Since USDA loans are built to serve low-to-moderate income households, qualification depends on income:
- Household earnings must generally be at or below 115% of the area median income (AMI)
- Income from all household members is considered, not just the borrower’s
- Larger families may be allowed higher income thresholds
Our team will carefully review your income and household size to confirm eligibility.
Key Benefits of USDA Loans
- $0 down payment required
- Affordable, fixed-rate financing
- More flexible credit standards than many conventional programs
- Seller concessions allowed to cover closing costs
- Available for both new and existing homes, including some manufactured housing
- Opens homeownership opportunities in rural and suburban communities
Why Work with Alpha Mortgage for USDA Financing?
At Alpha Mortgage, we do more than close loans—we help families open the door to homeownership. With USDA financing, we make that dream possible for buyers who might not qualify elsewhere. Here’s why clients choose us:
- Program expertise – We know USDA guidelines and how to apply them effectively
- Local market knowledge – Our team understands which areas qualify and can guide you toward eligible properties
- Personalized support – We’ll compare USDA to FHA, VA, and Conventional programs so you choose the right fit
- Long-term commitment – We believe USDA loans are a stepping stone to stability, financial security, and future wealth building