USDA Loans in Charlotte, NC

Rural communities with no down payment

What Is A USDA Loan?

Backed and issued by the United States Department of Agriculture. A USDA loan allows income-qualified buyers in rural (and some suburban) areas to purchase a home with no money down.

Minimum Fico Score

  • check 620 standard guides
  • check 640 with manual underwriting

Down Payment

  • check No down payment required


  • check Primary residence

Other Highlights

  • check Upfront funding fee financed
  • check Annual fee required
  • check Up to 6% seller contribution

**This communication is for information purposes only, this is not a commitment to lend. individual buyer's financial circumstances may be different and may result in different interest rates, costs, and payments. all programs are subject to changes or cancellation at any time and without notice. Please consult your licensed loan Originator to learn more about mortgage products, your eligibility, and ask an offcial loan estimate before choosing your loan.

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Our Mortgage Process

Learn what to expect from our seamless home-buying journey. This is not another loan process; this is a journey where pleasant memories are created.