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USDA Home Loans with 100% Financing

USDA home loans offer 100% financing for eligible rural properties. Designed for moderate-income borrowers, these programs provide competitive rates and flexible guidelines to help you purchase a home with no down payment required.

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Benefits of USDA Home Loans

Zero Down Payment Financing

No down payment required for eligible rural and suburban properties.

Competitive Government Rates

Government backing helps offer stable and competitive interest rates.

Flexible Credit Qualification

Designed for moderate income borrowers meeting program guidelines.

Lower Monthly Mortgage Costs

Reduced mortgage insurance compared to many other loan programs.

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Documents you will need to apply for a USDA Loans

USDA loan eligibility is based on property location, household income limits, and borrower financial capacity. These loans are designed for primary residences in approved rural and suburban areas that meet federal program guidelines.

To apply for a USDA home loan, you generally need:

  • Pay Stubs (last 30 days)
  • W-2s & Tax Returns (past 2 years)
  • Bank Statements (last 2 months)
  • Valid US ID (Driver’s License, Military ID, State-Issued ID, or Passport)
  • Additional documentation may be required

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Guiding You to Homeownership

Guiding You to Homeownership

We provide expert guidance, resources, and tailored programs that simplify the mortgage process, helping every buyer move confidently toward successful homeownership.

  • Credit specialist support
  • First-time buyer programs
  • New construction guidance

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Key Features of USDA Loans

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Financing up to 100% available
Qualified USDA loan borrowers can finance up to 100% of their loan, potentially including all closing costs! you can even finance up to 102% when the USDA Guarantee Fee is included.
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No down payment required and larger acreage
If you qualify for a USDA loan, the financing may make it possible to buy a home with more acreage than an FHA or Conventional loan. USDA loans also do not require a down payment.
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Closing costs can be financed
If you have extra cash in your pocket at closing, moving into a new home is much easier. With a USDA loan, you can potentially finance your closing costs, which allows you to save money when closing on your new home.

Eligibility Requirements

  • The subject property must be located in a designated rural area (identified by USDA Rural Housing). Generally, rural areas are towns with less than 20,000 residents that are removed from urban areas.
  • Both applicants must have an adjusted household income within program guidelines
  • First-time homebuyers must complete homeownership counseling when credit score is below 660
  • Maximum allowable DTI ratio is 41%
  • Minimum credit score of 640 is required
  • Subject property must be owner-occupied
  • USDA requires an up-front Guarantee Fee of 2% on purchases, which may be financed.
  • Site value cannot exceed 30% of total property value.
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Why trust Southern Trust with your home financing?

Founded in 1998, Southern Trust Mortgage is a full-service mortgage lender. We offer diverse mortgage products designed to meet any home financing need. Our continued success is a result of the outstanding customer service we offer our clients and business partners. All of our loans are expedited through local processing, underwriting, and closing agents. Our industry-leading service truly sets Southern Trust Mortgage apart.

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In business since 1998

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Very competitive interest rates

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Over 65,000 loans closed

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In-house underwriting, processing and funding

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Licensed and experienced mortgage loan officers.

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Focused on developing relationships and trust.

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Start The Journey Towards Your First Home

Our team simplifies first-time homebuying with expert guidance, flexible programs, and support designed to make ownership accessible and stress-free.

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