FHA loans
Government-insured, with a lower down payment and flexible credit guidelines.
Buying a home
USDA home loans for eligible rural and suburban areas
Buying a home with little or no down payment can open doors for buyers who otherwise may not be able to become homeowners.
Harmony Home Loans, LLC is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA or the Federal Government.
Who it’s for
Who can use the USDA program?
Contrary to its name, the USDA loan isn’t only for farms. It’s designed to help low- and moderate-income households own a home in eligible areas.
Buyers in eligible areas
Many rural and some suburban areas qualify. We can check an address with you.
Households within income limits
Income limits apply and are based on location.
Buyers of a primary residence
The home has to be the one you live in.
Buyers held back by the down payment
If a sizable down payment is what’s in the way, USDA may be worth a look.
How it works
Key features of a USDA loan
The program is the USDA Single Family Housing Guaranteed Loan Program. Similar to FHA and VA loans, the USDA guarantees the loan; private lenders such as banks or credit unions still lend the money.
Government guarantee
Because the USDA will pay if a borrower can’t, lenders take on less risk and can ask for less money down.
Little or no down payment
For eligible borrowers buying a primary home in an eligible area.
Fixed or adjustable
Fixed-rate terms, plus an adjustable-rate option.
New or existing homes
Works for new homes, existing homes, and even some homes that need renovation.
No prepayment penalty
Pay your mortgage off at any time.
Refinance too
The program can also be used to refinance a primary home. Ask us whether yours qualifies.
Qualification
What you’ll need to qualify
Two filters matter most for USDA: where the home is and what your household earns.
Requirements
- Income: household income limits apply, based on location.
- Location: the home must be in an eligible area. You can look up a property’s address, or we’ll check it with you.
- Use: the home must be your primary residence.
Also part of any loan
- Lenders still review your credit, income and the property, like any other mortgage.
How Harmony helps
Four clear steps with one team
We check the property location and income limits first, then compare USDA with FHA, VA and conventional options.
Initial goal analysis consultation
We go over your goals to understand your situation and what you need.
Solution preparation
We take what we learned and build out options for you: rates, closing costs and program structures.
Suggestion presentation
We walk you through what we found. If you like what we propose, we put your loan into process.
Execute
Our team guides you every step of the way to gather the documents and get you to closing.
Take the first step
Honesty, transparency, integrity, education and customer service in every step.
Is a USDA loan only for farms?
No. Despite the name, it isn’t only for agricultural settings. Many rural and some suburban areas qualify, depending on the program maps.
Does the USDA lend the money?
No. The USDA administers and guarantees the program. Private lenders such as banks or credit unions make the loan, knowing the USDA will pay if the borrower can’t.
Who can use a USDA loan?
Buyers who meet the income requirements and are buying a home for their own primary use in an eligible area.
How do I know if a home is in an eligible area?
You can look up each property’s address, or talk to us about using a USDA loan in your area and we’ll check it with you.
Which loans have the lowest down payment?
VA and USDA loans may offer no down payment options for eligible borrowers. FHA loans may offer low down payment flexibility, and some conventional programs allow lower down payments too.
See if a USDA loan fits you
Answer four quick questions. USDA is already filled in, and nothing financial is asked.
See my options for this loan
(702) 934-9625
4300 West Tropicana Ave, Building A, Suites 110-132, Las Vegas, NV 89103
Page last reviewed 2026-11-11.