Buy with $0 Down in Kuna, Middleton, Emmett, and throughout rural Idaho. Get 100% financing with little to no out-of-pocket expense.
Buy a home in Kuna, Middleton, Emmett and throughout rural Idaho with no down payment. Check your county income limit and your property's eligibility in seconds below.
Looking to buy a home with a $0 down payment? The USDA Rural Development loan is one of the most powerful tools available to Idaho homebuyers in growing communities like Kuna, Middleton and Emmett. It offers 100% financing, lower monthly mortgage insurance than FHA, and lets sellers cover your closing costs.
Select your county and household size to see your 2026 USDA guaranteed-loan income limit.
Figures are the 2026 USDA Guaranteed Housing Program moderate-income limits (Section 502). Deductions for dependents, childcare and certain expenses can help you qualify even if you're slightly over. We confirm your exact eligibility on application. You can also estimate your monthly payment with our mortgage calculator.
USDA uses total household income — that means everyone living in the home who is 18 or older, even if they aren't on the loan. The good news: the qualifying figure is your income after allowable deductions, so a $480 deduction per dependent, documented childcare costs, and other adjustments can bring a family under the limit. If you're close, don't assume you're out — let us run the numbers.
Enter the address of a home you're considering. We'll run a preliminary check against USDA's rural-area map.
"Rural" doesn't mean you have to be on a farm. Many suburban areas just minutes from Meridian qualify for 100% financing. Common 2026 eligible areas include:
*Kuna and Star sit on the borderline. Use the property checker above — we verify every address individually against the USDA geocoder.
The USDA program is self-funded through two fees that are typically much lower than FHA mortgage insurance. Run the numbers on your own scenario with our mortgage calculator.
Jerry Robinson (NMLS #4475) is the President and CEO of 1st Choice Mortgage Company, LLC (Company NMLS #380736), a licensed Idaho and Oregon mortgage lender serving the Treasure Valley community since 1992. With over 30 years of localized lending experience specializing in Idaho VA loans, FHA programs, and specialized Idaho Housing down payment assistance, Jerry has guided thousands of local families through changing market cycles to achieve homeownership from his headquarters in Meridian, Idaho . Call us at (208) 375-5626 or visit 375loan.com.
1st Choice Mortgage Company, LLC is an Equal Housing Opportunity Lender.
Get a free, no-obligation review of your USDA eligibility and a customized rate quote from a local Idaho team.
1st Choice Mortgage Company, LLC | Equal Housing Opportunity | Idaho-licensed mortgage broker & lender · Company NMLS #380736 · Personal NMLS #4475
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