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USDA Guaranteed Home Loan Program
This program helps eligible buyers purchase a home with zero down payment in USDA-approved rural and suburban areas, based on household income and location rather than a large down payment or a perfect credit score.
USDA Guaranteed Home Loan Program Highlights
Possible No DTI Max
USDA-Approved Areas Only
$0 Down Payment
Income Limits By County
No Set Loan Amount Limits
Credit Scores Down To 580
Not sure if your property qualifies? Check now on the USDA property eligibility map or message me and let's find out together.
Who Are USDA Home Loans For?
Buyers purchasing in an eligible rural or suburban area who fit their county's income limit
Rural & Suburban Buyers
Moderate-Income Buyers
First-Time Homebuyers
No Current Homeowners
Eligible Property Types:
Single Family Residences
Condos
Townhomes
Eligible Occupancy Types:
Primary Residences Only
Key Benefits:
Buy a home with zero down payment in an eligible area
No set loan limit, your income determines what you can borrow
Pre-underwriting reviews your file before you write an offer
How It Works:
Get pre-underwritten so your full file is reviewed up front
Confirm the property sits in a USDA-eligible area
Verify household income falls under your county's limit
Frequently Asked Questions About USDA Loans
Q: What does it mean for a property to be USDA-eligible?
A: USDA loans are limited to homes in designated rural and suburban areas. Many places outside the major cities in Snohomish and Skagit County qualify, even if they don't feel "rural." Dan can check a specific address for you.
Q: Is there really no down payment required?
A: Correct. USDA Guaranteed loans are one of the last true zero-down programs available, allowing eligible buyers to finance 100% of the purchase price.
Q: What are the income limits for a USDA loan?
A: Income limits are set by county and household size, based on the area's median income. Many buyers assume they make too much to qualify when they're actually well within the limit for their area.
Q: What credit score do I need?
A: Getting pre-underwritten is the best way to see exactly where you stand and what programs you qualify for based on your full financial picture.
Q: Can I own another home and still qualify?
A: No. USDA loans require that you don't currently own another adequate, habitable home. This program is built for buyers purchasing their primary residence.
Why Choose Dan Keller for USDA Guaranteed Home Loan Financing?
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Meet the Local Dan Keller Team
4.97★ · 500+ local reviews
Buying a home in Snohomish or King County comes with enough surprises. Your loan shouldn't be one of them. Dan Keller and his Everett-based team have helped local buyers close on time, even when the deal got complicated, with 535+ five-star reviews to show for it. Clients and agents say the same thing again and again: fast responses, clear answers, and someone who actually picks up the phone on a weekend if you need them.
This isn't a call center. It's a small team of underwriters, loan officers, and processors who live and work right here in Everett, and who treat every file like it's the only one on their desk.
Want to hear what others are saying? Read reviews of the Dan Keller team here
