Help more buyers say yes to the right home with USDA 102 financing.
For eligible buyers and eligible properties, USDA financing may help reduce the upfront cash barrier and make a listing easier to sell.
Call KennyRequest an eligibility checkFor listing agentsProgram Highlights
- Up to 102% financing when the guarantee fee is financed
- Single-family, owner-occupied primary residences
- No first-time buyer requirement
- Minimum FICO can be as low as 620, subject to lender/agency approval
- Eligibility is based on household income and USDA property eligibility
- Seller contributions may help qualified buyers reduce closing-cost pressure
Final loan approval depends on borrower, property, income, credit, debt-to-income ratio, appraisal, USDA guidelines, and investor/lender overlays.
For Listing Agents
Position eligible listings in USDA areas to attract buyers who have income but limited savings for down payment and closing costs.
For Sellers
More financing options can mean more buyer activity, stronger offers, and fewer dead ends caused by cash-to-close concerns.
For Buyers
Explore whether USDA financing can help you purchase with little to no down payment on an eligible home.
Why agents use USDA 102 as a listing strategy
Some buyers can afford the monthly payment but struggle with upfront funds. USDA financing may help bridge that gap on eligible properties, especially in rural and suburban markets.
Quick eligibility conversation
- Is the property in a USDA-eligible area?
- Will the buyer occupy the home as a primary residence?
- Does household income fit the applicable USDA limit?
- Does credit, debt-to-income, and employment meet approval guidelines?
- Can the transaction structure address closing costs?
What buyers want to know
USDA financing is designed to support affordable homeownership in eligible areas for qualified low- to moderate-income households. The program is not limited to first-time buyers, and eligible closing costs may be addressed through seller credits, lender credits, gift funds, or other approved sources.
Check buyer eligibilityTalk to KennyRequest a USDA 102 review
Send buyer/property details and Kenny will help review the scenario.
For best performance, ask 220 Marketing to connect this form to your CRM or landing-page lead capture system.
Ready to see whether USDA 102 can help your deal?
Contact Kenny Tan for scenario review, listing-agent support, and buyer prequalification guidance.
Call (714) 316-0591Email Kenny
