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For borrowers who meet income, property and other program requirements, USDA financing offers the opportunity to purchase a home with \nno down payment\n and competitive financing options.\nFlexible Credit Guidelines\nUSDA loans offer flexible credit guidelines, which may provide financing opportunities for qualified borrowers who have limited credit histories or may not meet the requirements of some conventional loan programs.\nIncome-Based Eligibility\nUSDA loans are available to eligible first-time and repeat homebuyers. Qualification is based in part on \nhousehold income\n, which must fall within USDA limits for the property's location and household size. Certain allowable deductions may be considered when determining eligible household income.\nNo Down Payment\nQualified borrowers may finance \n100% of the home's eligible purchase price\n, eliminating the need for a traditional down payment. 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