USDA Home Loans
A USDA loan is one of the few remaining $0 down payment options out there, made possible by The United States Department of Agriculture.
Down Payment
0%
Min Credit Score
640+
Mortgage Insurance
Low annual guarantee fee
Program Overview
Guaranteed by the USDA Rural Development program, these loans allow 100% financing (zero down payment) for eligible suburban and rural properties outside urban Las Vegas (e.g. Boulder City, Moapa Valley, Sandy Valley, Pahrump).
Key Benefits
- 0% down payment required
- Lower mortgage insurance guarantee fees than FHA loans
- Closing costs can be funded through gift funds or rolled in if appraised high
- Competitive 30-year fixed interest rates
Qualifications
- Property must be located within a USDA-eligible rural/suburban zone
- Household income must not exceed 115% of the median local income
- Credit score 640+ for automated streamlined underwriting
- Occupant must be a primary resident
Other Loan Programs
Cash-Out Refinance
Access your home's equity with a cash-out refinance in Las Vegas, Henderson, and throughout Nevada.
Conventional Home Loans
A Conventional Mortgage is the standard by which all other mortgage loans are measured. Explore 15 to 30-year fixed-rate and adjustable options in Las Vegas.
FHA Home Loans
FHA loan services help people with lower credit scores and limited savings become homeowners in Las Vegas.
First-Time Homebuyer Loans
Guidance and financing options for first-time homebuyers in Las Vegas, Henderson, and Clark County.
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