USDA loan requirements (BEST 0% down loan)

USDA is a great loan option for 0% down. Here are all the requirements you need to know!
Property eligibility: eligibility.sc.egov.usda.gov/...
Income eligibility: eligibility.sc.egov.usda.gov/...
Turn Times: www.rd.usda.gov/page/sfh-guar...
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0:00 2023 USDA loan requirements (BEST 0% down loan)
0:24 Highlights
2:05 What is USDA?
3:32 Pick a helpful team
4:55 Down payment
5:52 Closing costs
9:05 Get pre-qualified with out team
9:21 Seller credits
11:11 Proof of funds
13:02 Credit Score
15:53 Credit Events
16:21 Interest rates
17:09 Mortgage insurance
19:29 Affordability
21:57 GUS
24:42 Max Purchase Price Calculator
25:21 Manual Underwriting
26:12 Property Requirement
26:21 USDA \Map
29:03 Get a Real Estate Agent
29:32 Appraisal Highlights
31:06 Example - Rosebugh, OR
32:52 Example - Franklin, KY
34:04 Commute
36:40 Income and Employment
39:24 Loan Limits
39:59 Student Loans
41:21 Special Requirements
44:26 Refinancing
45:36 Success Rate & Seller Perception
46:56 How do you get one?
- DISCLAIMER -
Kyle Andrew Seagraves is Federal Mortgage Loan Originator (NMLS 1701021) licensed in all 50 states with the Dan Frio Team at Allied First Bank (NMLS 203463), an Equal Housing Lender. Separately, Kyle owns Win The House You Love LLC, an education company. Win The House You Love LLC is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This video is only for educational usage. All calculations should be verified independently. This video is not an offer to lend and should not be used directly to make decisions on home offers, purchasing decisions, or loan selections. Not guaranteed to provide accurate results, imply lending terms, qualification amounts, or real estate advice. Seek counsel from a licensed real estate agent, loan originator, financial planner, accountant, and/or attorney for real estate, legal, and/or financial advice. Allied First Bank is not affiliated with the VA, FHA, or any other government agency. This video has not been approved by any government agency.

[@Greg-J]

After losing my ass in 08' on multiple homes I honestly wasn't sure if I'd ever buy again. It wasn't until I saw a video of yours about 6 months ago that I started seriously considering it again. I binged your videos and bought your calculator and here I am closing on my home this week. Thank you!

[@WinTheHouseYouLove]

Hey Greg J! Wow, I'm thrilled to hear that my videos and calculator helped you on your homebuying journey! It's always amazing to know that I've been able to make a positive impact. Congratulations on closing on your new home this week!

[@Live-Life-Freely]

Sweet! I wish you well!

[@TheTexasTakebyMissVikie]

Good Luck hope it works out After losing everything I decided NEVER to hold a mtg again So I paid cash for my current home... But now im ready to move or at least take an extremely long vacation 😂 Have not decided yet

[@gerryortiz7276]

How do you bought at the bottom of market? Didn’t you have a crap load of equity ?

[@margiecallahan3009]

Me too!

[@brendasummers6499]

Ten years ago, I financed the townhome that I live in through USDA. I gave someone a check for $500. I got that check back at closing. I didn't pay anything else. My realtor and mortgage broker were both familiar with USDA loans. Great program for retired people.

[@thaliaamaro1759]

Besides being super helpful and knowledgeable, his voice is very soothing, I sometimes replay his videos to fall asleep 😅❤

[@WinTheHouseYouLove]

😂 Thank you!

[@bjsmith8824]

Yes, I could listen to him for hours ❤

[@innerbeauties4700]

I agree 😂

[@beastboy43ify]

Sometimes when I’m beating my shit I come to his KZbin videos and come to reality that I need to lock in and get this house!

[@thaliaamaro1759]

@@beastboy43ify 🤣🤣🤣🤣horrible

[@GoudatheGameGod]

This man replied to every comment! Real customer service.

[@WinTheHouseYouLove]

I try my best!

[@itzesmi]

We finally got our house in Jan 2023 I’ve been following for 2 years and it definitely helped to understand the home buying process. We did the USDA direct. It’s time consuming but if you really need housing and are low income this is for you. A headache for sure but worth it

[@WinTheHouseYouLove]

Wow! Congratulations! Thanks for the support. :)

[@itzesmi]

@@WinTheHouseYouLove thanks! Keep up the work! Your breakdowns are the best ! Feels like taking a college course but one that I can follow and learn 👍

[@thaliaamaro1759]

How long did it take for you

[@itzesmi]

@@thaliaamaro1759 from the time to get an application to getting into the house. 6 months. We got a packager who was basically the middle man who would help us with the process but it complicated it. So if you can avoid getting a packager please do.

[@AssortedVideosforALL]

Surely i will go forth onto this opportunity with my family.. thanks for the response & video...

[@geniushughes8287]

The USDA also has these guaranteed loans and government loans that will build you a house for a dollar down and also buy you an older house where they would fix it up like brand-new with the loan

[@sonjalivingston8241]

Now where can I find THAT information?

[@benyosep5640]

No where…in their wildest dreams. 😂

[@xygenzy]

Yeah the program exists but there’s no houses available lol

[@julieanncheshire9960]

Thank you for getting this message out! I was able to get into my house in December of 2022 with a USDA direct loan. The process took more than a year and a massive amount of patience, but it was worth it. Your content has been so helpful along the way.

[@WinTheHouseYouLove]

That is awesome! Thanks!

[@debbiebrooks1293]

Awesome video. You're the only person I've heard that explain USDA so well.

[@WinTheHouseYouLove]

Glad it was helpful! Thank you so much!

[@cococoif404]

Such a thorough explanation and presentation. Best I've seen so far! Very impressive. I'll definitely reach out to your team when I'm ready.

[@WinTheHouseYouLove]

Thank you! Here's my website: www.winthehouseyoulove.com

[@danielyoakum8902]

2 minutes into this video and it’s already provided me more information than the top 5 other videos I watched previously.

[@WinTheHouseYouLove]

Thanks for watching. :)

[@annaweber4286]

Love you videos! Very knowledgeable and answers all of my questions.

[@chantelleanderson1630]

This guy is so nice to listen to, really good at making scenes of things to me that really knows nothing about buying please post more🎉

[@evasharing]

Thank you so much for making this video! I have had so many questions about this type of home loan.

[@LilMoSweet53]

I work remotely and don’t have a commute so this is very appealing

[@chantelleanderson1630]

Same

[@eldelacordeon]

I truly appreciate the thoroughness of the information and the fact you got right into the information, without all the fluff. My family lives in San Diego, CA, and has tried to qualify to buy a home since 2015. This USDA option will definitely help to finally buy a home. I wish you blessings and growth in all your endeavors.

[@WinTheHouseYouLove]

I appreciate that! Thank you so much!

[@Two_trucks]

Youre a God send! Thank you for posting this!

[@WinTheHouseYouLove]

Glad you enjoyed it!

[@nickiesimon2127]

Welcome back! U read my mind, i literally watched your older version yesterday 😂

[@WinTheHouseYouLove]

Hope you enjoyed it! Thanks for watching. 😂

[@patde1264]

Great video. Very informative. Thank you !

[@InLawsAttic]

This is very helpful! Gives us hope !

[@kariblackwood5811]

I recently heard about USDA loans via a realtor that was showing me homes. I had no clue! Your expertise was very informative! I’m sick of paying rent but I went ahead and decided to rent for another year at a higher priced apartment to show that I can afford at least $1,200 a month on a mortgage (although I’d like it to be lower) and so I can save money for closing costs & get my credit where it needs to be to qualify for the GUS. I want a property out in the country and several of my coworkers drive more than an hour to work. I’d only be 45 minutes away from work. It’ll be worth it in the long run and I’ll be able to buy what I want VS what I can qualify for. Thank you SO much for the information! ❤ I

[@gamingwithgoldi]

Hi kyle. Thanks so much. I got a usda lian and closed this past december! With the direct loan. You really helped me alot thanks! Love my home

[@WinTheHouseYouLove]

Great to hear! Thank you so much. :)

[@michaelowenby9469]

Amazing info ! Wonderfully made video thank you!

[@WinTheHouseYouLove]

Thanks a lot!

[@maryrenaud6732]

Excellent presentation! thank you!!!

[@WinTheHouseYouLove]

For my excellent viewers. Thank you!

[@lookingback5889]

Thank you You are very informative I sent your info to my son and wife who are in the process of their first home

[@lotfitahar5232]

Thank you for highliting this imprtant topic .

[@carolynniemann6934]

Great stuff! Thank you. 😎🤟

[@Blazenway61]

Thank you, great Information I didnt know this was available.

[@WinTheHouseYouLove]

You're welcome!

[@brownsugar2u]

Thank you for this very detailed video on USDA loans.

[@WinTheHouseYouLove]

My pleasure! :) Thanks for watching.

[@movewithladyv818]

Thanks so much Kyle!

[@WinTheHouseYouLove]

Thank you so much for watching!

[@fredmjohnson183]

Thank you for your update great work

[@SpiriTeedKnocepts]

Thank you for the tip on how to use the map.

[@WinTheHouseYouLove]

Sure thing!

[@honey.badger]

Very thorough and helpful! I wish i can like this vid more than once! Question... What is the max amount of cash in checking/savings one can have without becoming ineligible? Many thanks

[@cyndigreenwood3272]

The only thing I would add to this, just going through the process myself... the loan takes the lowest Middle score in the household. We had a hang up because the lowest middle score was 669. So it had to be manually underwritten. Also too in Manual underwrites, they seemed to be a bit more lenient on some of the rules. I personally had a 9 month break in my employment history. I had to include a letter stating why I left my job after 17 years and took a break and only had my new job for 10 months. Closed on the house 6/30/23. And you are right, there are a lot of people that dont know about this program. Agents and Loan Officers might have heard about these programs but have never looked into them. I had to read the USDA guidelines they have in thier website and go back and forth with my loan officers on what was allowed and such. I ended up being able to roll on my closing costs into the loan, because the appraisal came back higher. With a true 0 at closing. Even getting my EMD back which I would have loved they just made that a deposit, but oh well. The appraisal is nothing to be scared of, when I had my inspection, I had estimated about 60k in repairs, and the appraisal came back totally clean. And 10k over what we offered, (which was asking price). Maybe I got lucky.. not sure. But I wouldn't stress on the appraisal.

[@WinTheHouseYouLove]

Hey Cyndi! Thanks so much for sharing your experience and congratulations on closing on your house! It sounds like you went through some unique situations with manual underwriting and the break in employment, but I'm glad it all worked out for you. It's great that you took the time to research the USDA guidelines and communicate with your loan officers to make sure everything was allowed. And how awesome that the appraisal came back clean and even higher than your offer! Thanks for the reassurance about not stressing over the appraisal. Thanks again for watching!

[@vegajewel1085]

Hi I'm a 21 year old single mom trying to figure out how to do this i don't have family to ask and don't have to many people that knows really anything about it I'm down on my luck and really could use a little guidance / tips one how I can do this thank u so much :) ~ a struggling stranger

[@savannahsmiles1797]

@@vegajewel1085 check in your area as there might be places you can go that will talk to you about this type of loan. In my state it usually tags with the places that help with tenants rights. Check with the library sometimes they can have info on this kind of thing. United Way help as in our small town they have info on everything that is available for everything.

[@lovelysmith1794]

Thanks for sharing. I didn’t know how job hopping negatively impacted my potential of buying a home or credit..

[@seaundajohnson-km5bx]

Finally a competent spokesperson

[@djack915]

Very helpful and informative 👍 thank you .

[@WinTheHouseYouLove]

My pleasure! Thanks for watching.

[@Danadane314]

I’m glad I found you. This was so understandable! Thank you! 😊

[@WinTheHouseYouLove]

Hey Dana N! Thanks so much for your support and kind words. I'm thrilled that you found the video helpful and easy to understand. If you have any more questions or need further assistance, feel free to reach out. And if you're ready to start your pre-qualification process, you can visit www.winthehouseyoulove.com. Thanks again and have a great day! 😊

[@texaseagle7119]

This looks Awesome! Problem is I have been debt free and off grid for nearly 16 years, only bill I pay is car insurance. You would think debt free would be a good thing. In this case not so much

[@savannahsmiles1797]

it is cuz you have no history on paying back credit and they can't track your history...

[@viewoftheaskew]

excellent presentation, thank you!

[@bjsmith8824]

Excellent Video ❤

[@WinTheHouseYouLove]

Hey BJ! Thank you so much for your kind words and support. I'm glad you enjoyed the video! If you're ready to take the next step and start on a pre-qualification, you can visit winthehouseyoulove.com or shoot me an email at [e-mail]. I'm here to help you every step of the way. Let's make your homeownership dreams a reality! 🏡😊

[@oliviaford6736]

Thank you for the education 😊

[@WinTheHouseYouLove]

My pleasure!

[@ts9975]

Thank you for this information

[@WinTheHouseYouLove]

Thanks for watching. :)

[@annpowell4147]

Very good information that sounds doable with your help

[@WinTheHouseYouLove]

Yes, if you need assistance, you can always visit my website: www.winthehouseyoulove.com. :)

[@MardiGrasMobile36613]

This was the most helpful video…

[@WinTheHouseYouLove]

Thanks!

[@peacebeteal]

Sir! You are amazing! Thank you for your content.

[@WinTheHouseYouLove]

Hey, thanks a ton for the compliment! Really glad you're finding the content valuable. Stay tuned for more! - Kyle Get pre-qualified at www.winthehouseyoulove.com/

[@nisaroberts9059]

Very helpful information thank you.

[@WinTheHouseYouLove]

So nice of you, thank you!

[@winniethepoohandeeyore2]

Bought my house through USDA 3 years ago.

[@The_Dancelegz_Experience]

His voice is so soothing, anyway… I had never considered a USDA home loan… so much knowledge out here

[@WinTheHouseYouLove]

Thanks so much for watching!

[@user-gs9qb3uw8q]

Thanks for the great information. I am glad I don't need tons of cash to buy a home.

[@wandahicks9509]

This sounds wonderful

[@WinTheHouseYouLove]

Thanks!

[@Miopinion.]

Excellent. I mean excellent and super clear information. Oll be contacting soon 💕

[@geniushughes8287]

There's tons of different commercial as well as residential Farm loans through the USDA where you can start a business plus build your home

[@sonjalivingston8241]

@geniushughes8287… how can I get more information about this?

[@benyosep5640]

Go to their website and call your regional office.

[@deb1000001]

This came up after I just spoke to USDA on the phone, and they're mailing me an application. You have to pay for the inspections and for a year of insurance up front. So you need to have about 3k at least saved.

[@sonjalivingston8241]

😮

[@tee5382]

I’m interested thank you for the information

[@WinTheHouseYouLove]

Awesome! if you need assistance, you can always visit my website: www.winthehouseyoulove.com

[@TxHoneyBee]

Hello there. I was missing your videos so thank you for uploading. You've got a good voice for podcasts and long videos! I'm always curious about the different loan programs, but I looked into this one previously and didn't like it because the 0% down has a caveat. With this 0% down loan, I qualified for less and had to pay more for it (higher interest rate and higher closing costs, lower loan limit). At that point, I may as well put more cash down. It's not the best for a first-time buyer if you have any cash at all or if you want to live in a nicer area. It's great for very cheap homes or people with literally zero cash. Is PMI also higher on this type of loan? I didn't get to check the PMI on each to compare.

[@JackTranchina]

Can you please make one on the USDA FARM loan?

[@joethemlo]

Awesome guidance as always! Curious to know what software you use to record on your iPad.

[@WinTheHouseYouLove]

Ecamm

[@sillysausage72]

Great video. Thanks for sharing.

[@WinTheHouseYouLove]

Thanks for watching!

[@pproteinc]

I live in Charlotte and when you said Belmont. I chuckled because technically yes it’s 25mins away however factoring traffic on I-85 and secondary roads it’s easily an hour or more but I love this information. I’m a city boy but renting is getting extreme here.

[@WinTheHouseYouLove]

Good point! When I looked up the distance on Google Maps it probably wasn't during rush hour. Maybe there's something a touch closer than an hour :)

[@mnp870]

Yea. These loans require like 100 documents. Also every month there is additional charge of a private mortgage insurance.

[@bobthenager]

So I live on my moms property with her and it's ok the county said to put up another house on the property. Can I use a USDA loan to build a house or is it only for already built homes? Thanks

[@Savannah-ed4rv]

News to me. Very interesting!

[@WinTheHouseYouLove]

Hey Savannah! Thanks for watching and I'm glad you found it interesting! If you're ready to take the next step, you can start your pre-qualification process at www.winthehouseyoulove.com. Let me know if you have any questions!

[@geniushughes8287]

There are other stimulus and other government programs that might go in with the USDA like $25,000 down payment cost on a new home and different grants for closing cost

[@theprojectsetmedia]

Hi, How do you get that grant?

[@wendythompson1529]

What about housing that is provided by your company... ie: public storage provides a 2 bdrm apt to their property managers. They also pay electric, water, sewer and garbage. So a person worked for them within the last 2 years but now works at a job that pays much more but you don't have a 2 year history yet. Does this negate or disqualify the borrower?

[@bellakisses616]

Funny I work in Charlotte but live on the outskirts! Belmont is actually nice!

[@WinTheHouseYouLove]

Awesome! Sometimes outskirts are better. :)

[@Patienarmonia]

Thank you!

[@joeyd8294]

Do you have a video on VA loan requirements?

[@peacebestill662]

Do you guys have refinance plans?

[@jamieg1802]

I spoke to a broker but they said it is more like a conv/fha loan requirements, but per the website it is as you listed it

[@theprojectsetmedia]

But why did you have to nail this video like that! Good job!

[@WinTheHouseYouLove]

Thanks so much for the kind words and support! When you're ready, go ahead and schedule a call with our team to get started on your pre-qualification: www.winthehouseyoulove.com/call

[@keithowens9664]

Real true nobody's going to say you anything if you ain't got a credit score at 6:50 or higher problem

[@gijogreatness4070]

Learning USDA loans plus eye candy? Yes please! Top tier!

[@foxxrider250r]

Awesome and thorough explanation! What is DIL/FC/SS, tho?

[@WinTheHouseYouLove]

Deed in Lieu, Foreclosure, Short Sale

[@foxxrider250r]

@@WinTheHouseYouLove Thank you sir!!

[@2Corinthians5.7]

Is there a time frame once a application is submitted and complete and no additional information is requested for at least an approval or denial has to be given?

[@magsxoa4519]

This is very helpful. My husband and I want to buy a home but are hesitant. I have a great credit score but not all the funds for a down payment.

[@WinTheHouseYouLove]

That's a common concern! We have a 1% down Conventional loan that may be the right fit. Get Pre-Qualified with our team anywhere in the US → www.winthehouseyoulove.com/call

[@VeronicaVeronica777]

I don't think it is any communications with them that starts the clock. It is once you start paying them, that starts the clock again. So only when a person intends to stick to the plan and pay them fully, should they pay. Because if you stop, then you are screwed because now it will be on your credit report even longer.

[@lewispowell1443]

Hey I just heard of Naca for down payment assistance as a first time home buyer could I get down payment assistance or grants and still qualify for a USDA loan.

[@user-hi4ue4qc8u]

Question would you blend or take the median credit score of married couples when qualifying?

[@nancyfarnum4722]

Can you use USDA for a full timer residential RV loan? I’ve recently learned about 20 year RV residential loans being available for full time residence, instead of a luxury vehicle financed loan to purchase an RV.

[@andijean6329]

That’s a good question 😊

[@georgecarrera18]

I have a few questions I stay in Texas but recently my soon to be fiance and myself wanna get our first home. We both don't have credit that's something that is to be worked on right now But how far proof of income is needed ?

[@upbeatdeadbeat9751]

How long after getting the loan and the house is it okay to go above the income limit? For example, if you were to get a promotion within the year after buying your house.

[@sardarmehmood8063]

Very nice ❤❤

[@jenjen5184]

I receive a yearly bonus of 10% of my salary and have so for the last 3 years and counting. Does that get included in my income? If so is it divided by month? Ex: regular pay: $82,600 and bonus pay: $8,260. Would that be counted as 90,860 yearly?

[@kathymurach5125]

can you use a usda loan for manufactured homes?

[@positivelymarieq249]

Awesome video, question if I apply for this USDA direct loan and I have two adult children not living with me currently but if they ever need to move in with me is that allowed?

[@RaveGodX]

Yes it’s just a loan not like hud or anything … a fantastic loan with low rates and 0 down but they won’t tell you what you can or cannot do like a HOA or anything like that

[@dunghuynh-bu6ns]

Very funny , the guy work form Primary Residential Mortgage in the Nashville his name is Shaun Lyons, he said buy house with no income check, that is not illegal.

[@WinTheHouseYouLove]

I'm not familiar with loans like that

[@ednablessie8429]

I will follow every step to get my house this year

[@WinTheHouseYouLove]

Great goal! Start by checking your credit, saving for a down payment, and getting pre-approved for a mortgage so you know your budget and can make a strong offer when you find the right home. When you're ready, go ahead and schedule a call with our team to get started on your pre-qualification: www.winthehouseyoulove.com/call

[@thecoachwoodson]

After 1 year of living in the property can you then “make an income?”

[@rebackoffice8910]

Is it possible to get approved without having recent tax returns or filing?

[@1NikkiTate]

Is there any flexibility on the DTI with USDA loans? What about for very high credit scores or significant reserves?

[@WinTheHouseYouLove]

Hey Nikki! Great question! With USDA loans, there can be slight flexibility on the DTI, especially if you have a high credit score or significant reserves. These factors could potentially present you as less of a risk to the lender. It's very case-by-case, though, so it's a discussion to have with your loan officer. If you're ready to explore this, feel free to start your pre-qualification at www.winthehouseyoulove.com/lender or shoot me an email at [e-mail]. Let's make your dream home happen! 🏠😊

[@laniegonewild]

Can you refill nance from a conventional to usda and pull out some equity

[@anthonyvasquez486]

I just bought 1/2 acre raw land in NM - zoned for single family dwelling / camping / tiny home - needs everything, well , driveway and foundation , holding tank then solar and then a Prefab house - would this USDA loan cover something like that ?

[@zanerussell5519]

Question: How do they know or determine if someone on the loan is going to be living in the house or not? Is it as simple as you telling them that they live there and they take your word for it or what?

[@BoswelliaLuna8]

Is a low DTI frowned upon by lenders? Ours is 26%.

[@user-uc4cx7bh3f]

Well, this is just great... One of the very few benefits we as veterans get for the hardships we endure in order to be held to a government contract that keeps us in poverty is now being given freely to people who haven't bled for this country. Fantastic....

[@WinTheHouseYouLove]

VA loans are better than USDA loans. They are not the same

[@benyosep5640]

He’s not even in the military. Bye 👋🏾 troll.

[@ashburnconnecttv7860]

Those examples of monthly mortgage payments are like playing the darn Mafia!!!

[@MeMe-ht2hd]

Hi, how are things going? I have a brief question. I like to watch HGTV 😂. I came across one footage of an agent saying, "If you purchase during the winter ❄️, you can have more negotiating room." Is this true? Should I wait until November or December to buy a home because most people will not be buying at that time to get a better deal? Any advice? 🥴 Also, I have one child, and I do not want him to be homeless in this world if the unexpected happens to me.Is putting the house in a trust a method for him to avoid having to pay any more fees?

[@chanthyvann5237]

Hi, can USDA loan be combined with Homebuyer savings program? I have low income, but good credit score around 799.

[@korg47237]

That income limit combining everyone in the household is the roughest part. You basically need to live alone in a studio apartment to qualify, unless I'm completely misunderstanding that there can't be anyone else in the home if you already make close to the limit.

[@maryrenaud6732]

I believe that is only on low income direct USDA. Guaranteed Loans…can be a higher income level. I know this because I sold a home to a young couple making a good income, who got a USDA loan, in a rural part of Greenville, SC.

[@WinTheHouseYouLove]

For sure, the income limit can be tough!

[@born2win262]

@@WinTheHouseYouLovewhere can I see the limit? And what happens if you get a new job with a bigger income?

[@karlaxiomarafernandez4064]

Do I need to include my parents income to apply for this loan? I have the same address as them.

[@carlimuzquiz979]

Amazing video. Thank you for all the great information. 1

[@WinTheHouseYouLove]

My pleasure! Thanks for watching. :)