Home / Loan Programs / USDA Loans
USDA Loans in Arizona
Backed by the U.S. Department of Agriculture, USDA loans offer $0-down financing in eligible rural and many suburban Arizona communities — a powerful option that’s often overlooked.
$0 down for eligible rural & suburban homes
What is an USDA Loan?
A USDA loan (also called a Rural Development loan) is a government-backed mortgage that allows $0 down for eligible buyers purchasing in qualifying rural and many suburban areas. A surprising amount of Arizona qualifies — including communities around Maricopa, Casa Grande, parts of the White Mountains, and other areas outside the dense metro core. USDA loans have income limits by area and household size, and the property must be in an eligible location, but for those who qualify they’re one of the most affordable ways to buy.
This may be a fit if…
- You’re buying a primary residence in an eligible area
- Your household income is within the USDA limits for your county
- You have reasonably stable, documentable income
- You’d benefit from a $0-down option
Why people choose it
USDA Loans highlights
$0 down payment
Eligible buyers can finance 100% of the purchase price.
Below-market mortgage insurance
USDA’s guarantee fees are typically lower than comparable FHA mortgage insurance.
Competitive rates
USDA rates are often very competitive for qualified borrowers.
More of Arizona qualifies than you’d think
Many suburban and rural communities are eligible — we’ll check your address.
Run the numbers
USDA Loans calculator
Estimate a monthly payment for USDA Loans — adjust the numbers to fit your scenario.
Compare your options
Not sure if this is the one?
There’s rarely a single ‘best’ loan — only the best loan for you. We’ll compare USDA Loans against your other options so the choice is obvious.
Good questions
Common questions about USDA Loans
Where in Arizona qualifies for a USDA loan?
More places than most people expect — many suburban and rural communities outside the dense metro core are eligible. Give us an address and we’ll check it against the USDA eligibility map in minutes.
Is a USDA loan really $0 down?
Yes, for eligible borrowers and properties USDA allows 100% financing. There are guarantee fees, which we’ll factor into your estimate.
Are there income limits?
Yes. USDA sets income limits that vary by county and household size. We’ll confirm whether your household fits before you apply.
Let’s see if USDA Loans fit you
Answer a few quick questions and we’ll tell you where you stand — and what it could mean for your monthly payment.
Get Pre-Qualified