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USDA PURCHASE
This option is ideal for homebuyers looking to purchase in eligible rural and suburban areas with zero down payment.
Key Features
0% Down Payment | 580 + Credit Score | Suburban Areas Qualify
Why EHGM's USDA Loans Are Different​
We structure your USDA loan upfront, verifying property eligibility, income limits, and household composition early in the process. This helps avoid surprises in final underwriting and keeps your approval on track.
Lower Fees, More USDA Buying Power
As a mortgage brokerage, we shop multiple USDA‑approved lenders to find competitive rates, lower fees, and smoother underwriting. That means stronger buying power and lower monthly payments compared to banks with stricter overlays.
More Loan Options, One Application
We compare several lenders’ USDA guidelines—including income flexibility, pricing, and credit overlays—to find the best fit. You get more ways to qualify with one simple application.
Faster Turn Times & More Flexible Processes
We work with lenders known for efficient USDA underwriting and responsive communication. This helps reduce delays, especially during the USDA guarantee review stage, and keeps your loan moving smoothly.
​100% of clients work directly with a licensed advisor — never a call center.
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USDA Purchase Criteria
What you can expect
Max Loan Amount
No USDA loan limit; max limit is based on debt ratios and local income limits.
Down Payment
0% down payment.
Credit
580+ credit score with compensating factors.
Employment
2-year work history required.
Income
Subject to USDA household income limits based on county and family size.
Assets
Assets must be sourced; gift funds allowed. USDA has limits on significant liquid assets.
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