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USDA Home Loan Benefits & Requirements

Personal Banking

no money for a down payment?


A USDA (United States Department of Agriculture) loan is insured by the government and provides homebuyers with opportunities not available through other loan types. Let Univest help you determine if a USDA loan is right for you.

Benefits of a Univest USDA Loan:

  • 100% Financing and no down payment
  • Seller contributions up to 6% of purchase price allowed
  • Program available to first-time or move-up homebuyers
  • Flexible credit guidelines
  • Competitive 30-year fixed rate program
  • Lower mortgage insurance rates
  • Loans may include closing costs and other fees
  • Refinance options available

What are the eligibility requirements?

  • Credit worthiness must be proven
  • Income limitations apply
  • Property must be located in a designated rural housing area
  • Must be a US citizen, permanent resident or qualified alien

What types of properties are available to finance with a USDA loan?

  • Primary residences: condominiums and existing homes

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