USDA (Rural Housing) Loan

Country Living With No Down Payment

Whether you’re looking for more space or a little peace and quiet, our USDA Rural Development program can help you buy a home that fits your dreams.


Your lungs won’t be the only ones thanking you, either. With this loan, your bank account can breathe easy with 100 percent financing* and flexible credit guidelines.

Rural Land in Colorado with Farm and Fence

USDA Program Features

  • No down payment required*​

  • Minimum credit score of 620

  • Lower mortgage insurance fees than Conventional or FHA

  • Ideal for low and moderate-income households

  • 15-year and 30-year fixed mortgage interest rates

  • Financing for existing homes, new construction, or foreclosures

  • Income flexibilities for homes in USDA-eligible areas

*Closing costs and fees may still apply.

Security First Financial is here to answer any questions you have.

We can help you understand more about:
  • Home loan programs
  • Current mortgage rates
  • The home loan process
  • What you'll need for your application
  • What to expect after you complete your application

Apply for a USDA Loan Online