$0 down home loans in eligible rural and suburban areas
USDA Rural Development home loans in California, Texas, Georgia, Tennessee, Oklahoma, and Idaho with $0 down payment and below-market rates. CDL Mortgage checks property eligibility and income limits to get qualified buyers into homes with no down payment.
Why CDL
CDL Mortgage Services Inc. is a full-service mortgage company focused on securing the best loans at the best rates. As an independent broker, we aren’t tied to one bank’s products — we shop multiple wholesale lenders for every USDA loan to find the strongest pricing for your scenario.
Every file is handled start-to-finish by a licensed loan officer, not a call center. From fast pre-approval through underwriting and closing, you’ll always know exactly where your loan stands.
Requirements
General guidelines — final qualification depends on the lender, property, and your full financial profile.
Calculator
Estimates only. Mortgage insurance and HOA dues are not included. Your actual payment depends on your final rate, program, taxes, and insurance premiums.
How It Works
A USDA Guaranteed Rural Housing loan offers 100% financing in eligible areas. Those areas are far broader than most buyers expect, including many suburbs and small towns near major metros.
The address must fall inside a USDA-eligible area. We check the map before you tour homes.
Household income must fall under the county limit, which counts all adult household income, not just borrowers.
True 100% financing — no down payment required and closing costs may be gifted or seller-paid.
A one-time upfront fee that can be financed plus a small annual fee, both lower than comparable FHA mortgage insurance.
The home must meet USDA condition standards as a safe, sanitary, owner-occupied primary residence.
Files pass through USDA in addition to the lender, which adds a few days. We plan your closing date around it.
Your Options
USDA is narrow in eligibility and generous in terms. These are the details that decide whether it fits.
Honest Advice
When the property and income both qualify, USDA is frequently unbeatable. When they do not, we pivot fast.
Zero down with lower monthly fees than FHA is the best value available outside a VA loan.
The program is designed for you, and the limits are higher than most buyers assume.
Combined with seller credits, many buyers close with almost nothing out of pocket.
City addresses generally fail the map test. FHA or conventional 3% down is the alternative.
A working adult household member can push you over the limit even if they are not on the loan.
Agency review adds days. If the contract demands a rapid close, another program is safer.
Questions
A USDA loan is a $0-down mortgage backed by the U.S. Department of Agriculture for homes in eligible rural and suburban areas. Rates are often below conventional, and no down payment is required.
Eligibility is based on the property’s location — many suburban areas on the edges of metro regions qualify, not just farmland. We’ll run any address through the USDA eligibility map for you in minutes.
Yes. Household income generally can’t exceed 115% of the area median income for your county. We’ll verify your county’s limit and structure the application correctly.
USDA loans carry a 1% upfront guarantee fee (which can be financed) and a low 0.35% annual fee — significantly cheaper than FHA mortgage insurance in most cases.
About Us
CDL Mortgage Services Inc. is an independent, full-service mortgage company. Instead of pushing one bank’s products, we shop multiple wholesale lenders to secure the best loan at the best rate for every borrower.
Purchase, refinance, and home equity — all under one roof, focused on the best loans at the best rates.
Based at 6524 Lonetree Blvd, Rocklin, CA 95765 and licensed in California, Texas, Georgia, Tennessee, Oklahoma & Idaho.
Every file is handled start-to-finish by a licensed loan officer who knows your name and your goals.
Fully licensed and regulated, with award-winning lender partnerships and 35+ years serving borrowers.
Find USDA loans details for your city or county below.
Ready when you are
Same-day pre-approvals, dozens of wholesale lenders shopped for you, and one licensed loan officer from application to keys in hand.