4075 Wilson Blvd, Suite 823,

Arlington, VA 22203

Go rural, live grand: Explore the potential of Monument Home Loan’s USDA loans!

The BEST way to make rural living affordable, enabling more purchases in these special areas with $0 down.

What are USDA RD home loans?

USDA RD (rural development) loans are a type of mortgage available for individuals to fund purchasing or repairing a home in an area defined as rural by the United States Department of Agriculture (USDA). The loan is available through private mortgage providers (mortgage companies, banks, and credit unions) and backed by the USDA. Monument Home Loans has been a top rural lender recognized by the USDA for 10 years running.
USDA Loans

Not sure where to get started? That's okay too, we're happy to meet you where you're at and direct you to the right place or person.

USDA RD loans at a glance.

  • 0% down payment available
  • Low closing costs
  • Reduced upfront mortgage insurance premiums
  • Up to 6% seller contribution allowed
  • Lower credit score qualifying
  • Properties must meet USDA guidelines
  • Income restrictions apply

Applying for a home has

never been easier

Our quick and secure process takes less than 10 minutes to apply.

Learn more about

USDA RD loans

How is a USDA RD loan different than a conventional loan?

Loans are available with 0% down payment and credit scores tend to be more forgiving than with conventional loans. USDA loans often offer lower interest rates too.

Borrowers must meet income restrictions for the county in which they are buying or repairing their home, and the loan can only be used for primary residence dwellings. Although USDA loans don’t require private mortgage insurance, borrowers will need to pay an upfront guarantee fee and an annual fee that serves as a form of monthly mortgage insurance premium. The annual fee is 0.35% of the loan’s annual balance but paid monthly as part of the borrower’s monthly mortgage payment. This fee exists for the life of the mortgage.

People in rural-designated areas and with limited down payments may be a good candidate for a USDA loan. To see whether you should consider a USDA loan connect with your Monument Home Loans loan officer to review financial goals and loan options.

“Helped me out a getting USDA loan when another business told me I couldn't get one! Thanks for always keeping in touch with me during the whole process!”

Coby B.

Let's get you home.

100% financing with low closing costs for homes in eligible rural areas. Our local loan experts will help guide you.

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If you have a loan officer you are working with, please select them from the list below.