USDA No Money Down Programs

The government has a sponsored program that can assist households purchase a home with a low or even no down payment.  One of my favorites is the Rural Development Loan program.


  • Property must be in a USDA designated rural location.
  • 100% mortgage LTV which is based on the APPRAISED value
  • Zero down payment and low interest rates.
  • No limit on seller concessions or gift.
  • 30 year fixed rate
  • USDA approved lenders only.

Rural Development Loans are available in these New Hampshire communities: Atkinson, Hampstead, Amherst, Windham, Pelham, Bedford, Brookline, Hollis, Litchfield, Lyndeborough, Mason, Mont Vernon, New Boston, and Wilton.  For a full list of New Hampshire towns, and income requirements, read the FACT SHEET.

The ineligible area list for NH is far smaller: Concord, Derry, Hudson, Keene, Nashua, Londonderry, Manchester, Merrimack, Portsmouth, Rochester, Salem,parts of Goffstown and Hooksett.

Not all lenders can do Rural Development loans.  Contact me for more information.

More information:

Federal Site:

Local NH/VT office:

State by State:


-Just my thoughts.


*Information is from the rural development government websites listed above.  I am not a mortgage professional.  This is for informational purposes only and you should do your own due-diligence.  This is a government funded program that needs to be funded yearly.

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