Buy with $0 Down in Kuna, Middleton, Emmett, and throughout rural Idaho. Get 100% financing with little to no out-of-pocket expense.
Looking to buy a home with $0 down payment? The USDA Rural Development loan is one of the best-kept secrets for homebuyers in Idaho towns like Middleton, Emmett, and Kuna.
Unlike FHA or Conventional loans, USDA has a maximum “Household Income” limit. This includes income from everyone living in the house (even if they aren’t on the loan).
For most Idaho counties (Ada, Canyon, Gem, Owyhee, etc.):
You might be surprised! “Rural” is based on population density, not just farmland. Many areas just 20 minutes from Boise qualify.
*Kuna and Star are on the borderline. We must run your specific address through the USDA geocoder to confirm.
While there is no down payment, USDA loans do have government fees to sustain the program. These are significantly cheaper than FHA mortgage insurance.
While USDA doesn’t have a hard set minimum, most lenders look for a score of 600-640 for an automated approval. We can sometimes work with lower scores via manual underwriting.
Yes! USDA allows the seller to contribute up to 6% of the sales price toward your closing costs and pre-paid items.
No. You do not have to be a first-time buyer. However, you generally cannot own another decent, safe, and sanitary home within commuting distance.
NMLS #4475 | Broker/CEO
Jerry Robinson is the CEO/Broker of 1st Choice Mortgage Company in Meridian, ID. He has helped hundreds of Idaho families use the USDA Zero-Down program to stop renting and buy their own land.
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