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$0 Down for Eligible Areas

USDA Loans: $0 Down Home Loans Outside the City

The USDA Rural Development Guaranteed Loan helps low-to-moderate income buyers purchase homes in eligible rural and suburban areas with no down payment. Many communities surrounding the OKC metro qualify — you may be surprised!

Check USDA Eligibility → 📞 (405) 390-7072
  • $0 down payment
  • Low mortgage insurance
  • Many OKC-area suburbs eligible

See If You Qualify for USDA

Quick, no-obligation request. Earnest will follow up personally.

Prefer to talk now? Call or text Earnest at (405) 390-7072

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Overview

What Is a USDA Loan?

The USDA Single Family Housing Guaranteed Loan Program is backed by the U.S. Department of Agriculture and offered through approved lenders. It's designed to promote homeownership in eligible rural and suburban areas by offering 100% financing — no down payment required.

There are two key eligibility tests: the property must be located in a USDA-eligible area, and the household's income must not exceed 115% of the area median income (limits vary by county and household size). Eligible areas are defined by the USDA and are updated periodically.

"Rural" doesn't mean farmland. Portions of communities around the OKC metro — including areas near Choctaw, Mustang, Piedmont, Guthrie, Blanchard, Newcastle, and Harrah — may qualify. Earnest can check any address for you.

USDA loans have a one-time upfront guarantee fee (currently 1% of the loan amount, which can be financed) and an annual fee (currently 0.35%) paid monthly — typically lower than FHA mortgage insurance.

Key Benefits

Benefits of a USDA Loan

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$0 Down Payment

Finance up to 100% of the home's appraised value.

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Low Guarantee Fees

Annual fee is typically lower than FHA monthly mortgage insurance.

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30-Year Fixed

Predictable payments for the life of your loan.

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Closing Costs Help

Seller concessions and, if the home appraises high enough, some closing costs may be financed.

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Flexible Credit

No USDA-set minimum score; many lenders look for 640+ for automated approval.

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More Space

Find more home and land for your money in eligible communities.

At a Glance

USDA Loan Guidelines at a Glance

General guidelines only — requirements vary by lender and individual situation.

FeatureDetails
Down Payment$0 (100% financing)
Upfront Guarantee Fee1% of loan amount (can be financed)
Annual Fee0.35% of the loan balance, paid monthly
Income LimitUp to 115% of area median income, based on household size and county
Property LocationMust be in a USDA-eligible area
Credit ScoreNo USDA minimum; 640+ typical for automated underwriting
OccupancyPrimary residence only
Loan Term30-year fixed

USDA fees and income limits are set by the USDA and subject to change. All loans subject to credit approval. Terms and conditions apply.

The Process

How to Get a USDA Loan

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Check the Property

Earnest verifies whether the address or area is USDA-eligible.

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Confirm Income Eligibility

We calculate household income against your county's limit.

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Get Approved & Close

Lender and USDA approval, then you close with $0 down.

★★★★★
"We wanted a little land outside the city but didn't have much saved. Earnest told us the area we loved near Choctaw was USDA-eligible, checked our income limits, and we bought our home with no down payment. Our monthly payment is less than what we were paying in rent."
J&
Jordan & Kayla PruittFirst-time buyers · USDA purchase near Choctaw, OK

Client testimonials reflect individual experiences and are not a guarantee of future results, rates, or approval.

Check Your USDA Loan Eligibility

Tell us where you're looking and Earnest will check property and income eligibility for you.

Prefer to talk now? Call or text Earnest at (405) 390-7072

🔒 Your information is secure and never sold. Checking your options will not affect your credit score.

Answers

USDA Loan FAQs

The USDA publishes an eligibility map of qualifying areas. Earnest can check any address for you in minutes. Many suburban areas around Oklahoma City qualify, not just farmland.

Household income generally can't exceed 115% of the area median income for your county, and limits increase with household size. USDA counts income from all adult household members, even if they're not on the loan.

Yes. USDA loans can be used to purchase newly built homes in eligible areas, and some lenders offer USDA construction-to-permanent options.

USDA loans have an upfront guarantee fee and an annual fee rather than traditional PMI. Both are typically lower than FHA mortgage insurance premiums.

No. USDA loans are only for primary residences. You must intend to live in the home as your primary residence.

Have a quick question about your options?

Earnest answers calls and texts personally — no call centers.

📞 Call (405) 390-7072Get Pre-Approved