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USDA | Rural Development Loans

0% Down Home Loans

Yes, it’s possible. You may be able to buy a home with no down payment. We’ll walk you through how it works, what you qualify for, and what your next step looks like. 
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How it Works

Let's Break it Down

This program is designed for buyers who meet certain income and location guidelines. If you qualify, you can finance the full cost of your home without a down payment.  
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See how much it'll cost

Mortgage Payment Calculator

Break down the numbers to see what your mortgage payment could look like.

Featured / Current Rates

Rates that help spark what’s next. From vehicles and homes to savings and certificates, explore our current featured rates.
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3.04
% APY*
Interest-Earning Account
5.49
% APY*
Auto Loans
6.50
% APY*
30-Year Fixed Mortgage
4.35
% APY*
12 Month Certificate

Why 0% Down Stands Out

See how this option compares and why it can be a smart way to get into a home sooner. 
No Upfront Down Payment

Skip one of the biggest barriers to buying a home. Qualified buyers can finance 100% of the purchase price, making it possible to move forward without needing a large upfront down payment. 
Lower Upfront Costs

Keep more cash on hand as you get started. With no down payment required, you can focus on other expenses like closing costs, moving, and getting settled into your new home. 
Competitive Rates

0% down doesn’t mean sacrificing value. You’ll still have access to competitive rates and manageable monthly payments, helping you move forward with confidence and stay on track financially. 
Real Experiences

What Members Are Saying

Buying a home is a big moment. Here’s what it’s like working with Embers, from people who’ve been there. 
Hannah

Way to exceed expectations!

It was a great experience. I was told it could take up to 30 days... I closed in two weeks. Hannah and the entire processing team were great and provided updates. I closed with Magan, and she was excellent, too. Way to exceed expectations!

Barbra K.

Magan

Knowledgeable, professional, and genuinely friendly

I cannot speak highly enough about Embers Credit Union. Transferring my consumer loans and HELOC was seamless from start to finish. The staff was knowledgeable, professional, and genuinely friendly. Magan was especially great to work with, always responsive and helpful throughout the process. I would confidently recommend Embers for mortgage services.

Kienan and Kristine E.

0% Down FAQs

Questions, Answered

Buying a home comes with a lot of questions. Here are a few we hear most so you can move forward with confidence. 
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What's a USDA loan?

A USDA loan is a home loan backed by the U.S. Department of Agriculture that offers 0% down financing for eligible buyers. It’s designed to make homeownership more accessible in certain rural and suburban areas, with predictable payments and flexible guidelines.

How do I qualify for a USDA home loan?

Qualification is based on a few key factors like your income, credit, debt, and the home you’re looking to buy. You’ll also need to meet location and occupancy requirements. We’ll walk through everything with you so you know exactly where you stand. 

Are there income limits?

Yes. USDA loans have income limits that vary by household size and location. These programs are designed for moderate-income households, and we can help you check current limits and see if you qualify. 

What types of homes qualify?

Eligible homes must be located in USDA-approved areas and used as your primary residence. This can include single-family homes, some new construction, and certain approved properties that meet program guidelines. 
Ready When You Are

Let's Get You Moving

Eligible homes must be located in USDA-approved areas and used as your primary residence. This can include single-family homes, some new construction, and certain approved properties that meet program guidelines. 
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