01
Your goal
The home or property you have in mind and the timing you’re working toward.
Rural $0 down · Loan guide
USDA loans.
Start with your situation.
Zero down if the property and income sit inside USDA guidelines.
How this program works
What changes the fit.
Utah and Idaho cities on this desk use the same person and a program that has to match the house.
USDA can be zero down when two things are true: the property sits in an eligible area on the USDA map, and household income is under the limit for that county. The map is not a feeling about how rural a town looks. Parts of Utah County, southern Utah, and Idaho outside the Boise core can qualify. Check the specific address on the current eligibility map.
There is a guarantee fee, and it belongs in the payment next to principal and interest. Check the address before you write an offer that depends on zero down. If the map says no, the conversation moves to conventional, FHA, VA, or assistance.
Who this may fit
Eligible rural and some suburban maps in Utah and Idaho.
What to discuss
- Check the map before you write an offer
- Income caps apply
- Strong option outside the Wasatch core
From an option to a plan
Three things to bring.
A first conversation can help you understand the details before a full application.
02
Your income picture
How you earn, what documentation you have, and the monthly payments already in your budget.
03
Your funds
The down payment, reserves, and closing-cost budget you want to work with.
Program availability, terms, and eligibility depend on the lender and your complete application. This overview is not a commitment to lend.
A real person. A clear next step.
Let’s talk about USDA.
Bring your questions and the numbers you’re working with. Brandon will help you understand the options and decide what comes next.
Brandon MaughanUtah & Idaho · 8am–8pm MT
Keep the comparison open