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 loan is the ultimate tool for Idaho homebuyers in growing towns like Kuna, Middleton, and Emmett.
USDA loans have a maximum “Household Income” limit. This includes income from everyone living in the home who is 18+, even if they aren’t on the mortgage.
Standard for Ada, Canyon, Gem, and Owyhee Counties:
*Deductions for childcare and dependents can help you qualify if you are slightly over these limits.
“Rural” doesn’t mean you have to be on a farm. Many suburban areas just minutes from Meridian qualify for 100% financing.
*Kuna and Star are on the borderline. We verify every address individually via the USDA geocoder.
The USDA program is self-funded through two specific fees that are typically much lower than FHA mortgage insurance costs.
Most lenders look for a 640 credit score for automated approval. We can often go as low as 600 with manual underwriting if you have strong compensating factors.
Yes! USDA guidelines allow the seller to contribute up to 6% of the home’s purchase price toward your closing costs. This often allows for a “zero out-of-pocket” closing.
No. You do not need to be a first-time buyer to qualify for a USDA Rural Development home loan in Idaho.
Unlike FHA or Conventional loans, USDA does not have a set “loan limit.” Instead, your maximum loan amount is determined by your income, debts, and the household income limits.
NMLS #4475 | Broker/CEO
Jerry has over 30 years of experience as an Idaho mortgage expert. He specializes in Zero-Down programs like USDA and IHFA, helping Treasure Valley families transition from renting to homeownership.
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