USDA Rural Housing

The USDA Rural Housing Service has various programs available to aid low- to moderate-income rural residents to purchase, construct, repair, or relocate a dwelling and related facilities. USDA Rural Housing loan programs allow qualified homebuyers to get loans with minimal closing costs and no down payment. 


  • No down payment requirement 
  • Property must be located in an eligible rural area 
  • Closing costs can be added to the loan amount (if the property appraises high enough to include it at up to 100% of the appraised value) 
  • Loan government guarantee fee up front and annual 
  • Low interest rates 
  • Applicants with a wide range of credit profiles may qualify 
  • Income eligible applicants who do not qualify for conventional financing may qualify 
  • Families & individuals that have minimal funds for a down payment and closing costs includes first time homebuyers and repeat homebuyers 
  • Seller concessions – 6% max 
  • No cash reserve requirement 
  • No Non-Allowable costs 
  • No First Time Homebuyer Requirement 
  • 30 Year Loan at competitive fixed rate 
  • No limit on gift funds 


  • Property must be in very good condition and have a high insulation R-factor 
  • You cannot make over 115% of the median county income to qualify 
  • Must be able to verify income limits 


NMLS #557025

Equal Housing Lender

Contact Us

Joshua Nieves Lending Team - Merit Lending
9960 W Cheyenne Avenue #240
Las Vegas, NV 89129
(702) 580-5069