USDA Rural Housing Loan Program

Are you looking to own a home in a rural or suburban area? The USDA Rural Housing Loan Program offers a unique opportunity to homebuyers with low to moderate incomes, providing access to affordable homeownership with $0 down payment. You may be surprised just how many areas qualify for this program, helping you achieve your dream of owning a home in an eligible rural or suburban area.

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USDA Mortgage Highlights

The USDA Rural Housing Loan Program is designed to make homeownership more accessible for families in eligible rural and suburban areas. With no down payment required, this program offers a fantastic option for those who meet income and property criteria.

Income and Property Restrictions

You can check property eligibility on the USDA website to see if the area you’re interested in qualifies.

Fixed-Rate Mortgages

We offer fixed-rate mortgage options, so you have stable monthly payments.

Primary Residences Only

Available for financing primary homes only—your primary place of residence.

Flexible Credit Score Requirements

Compared to other mortgage programs, the USDA loan has more flexible credit score requirements, making it easier for many buyers to qualify.

Government-Enhanced Loans and Specialty Lending

At Croghan Colonial Bank, we understand the importance of supporting your homebuying journey, and government-enhanced loan programs like the USDA Rural Housing Loan offer vital assistance for rural and suburban buyers.

These loans are supported by federal and state funding, providing an opportunity to finance your dream home with more favorable terms than traditional loans.

Competitive, Fixed Rates

USDA loans offer competitive, fixed rate financing that gives you peace of mind with predictable monthly payments.

Flexible Credit Requirements

With more lenient credit score requirements, this program is ideal for buyers who may have less-than-perfect credit.

Zero Down Payment

Unlike most traditional loan programs, USDA loans require $0 down, making homeownership more accessible for many families.

$0 Down Payment for Rural and Suburban Homebuyers Near You

Whether you’re dreaming of a single-family home, a condominium, or even a mobile home, Croghan Colonial Bank’s USDA loan program can help make that dream a reality with $0 down payment. Here’s what you can finance with a USDA loan:

Single Family
Condominium
Town Home
Multi-Family
Mobile / Manufactured Homes
New Construction
Buy Land and Build

If you’ve been considering homeownership, now’s the time to explore USDA loan options and see how we can make it happen for you.

What You Can Expect from Croghan

When you choose Croghan for your USDA loan, you’re partnering with a trusted lender who provides transparent, personalized support throughout your homebuying journey.

Simple and Transparent Process

Our team will guide you every step of the way, ensuring you understand all the terms and requirements.

Local Experts

With years of experience in the local market, we provide personalized guidance to help you make informed decisions.

Personalized Support

From pre-approval to closing, our mortgage experts are here to support you, making the process as smooth as possible.

Start Your Application Now

Ready to make homeownership a reality? Apply for your USDA loan today with Croghan—online or in person at one of our local offices. With $0 down payment and flexible terms, we make it easy to purchase your home in eligible rural and suburban areas. Don’t wait—your new home is just a few steps away!