Prairie View, TXDown payment assistance
Down payment and closing costs covered
A program from one of Craig’s lenders covered both — with money left over to buy down the rate.
First home
Home › Loan options › USDA loans
USDA loans
Zero down payment for homes in eligible rural and suburban areas — often closer to the city than people think.
$0down payment
Lowermortgage insurance than FHA
Eligibleareas and income limits apply
For eligible borrowers. Programs, terms and availability vary by lender and can change — ask Craig for current details.
Who it fits
- Buyers looking just outside the city
- Moderate-income households
- First-time and repeat buyers
Good to know
- The property must be in a USDA-eligible area.
- Household income must be under the area limit.
- There is an upfront guarantee fee and a small annual fee.
How it works
From first call to keys
Talk to Craig
A 15-minute call about your goals, timeline and budget. No credit pull, no pressure — just straight answers.
Get pre-approved
Apply online in about ten minutes. Craig compares lenders and programs and sends you a pre-approval you can shop with.
Close on time
Craig keeps you, your agent and title in the loop every week, and gets you to the closing table — often in 21 days or less.
Closed with Craig
Recent closings like yours
Real loans Craig closed — what the buyer needed and how it came together.
Prairie View, TX
Chesapeake, VAPurchase
Came in early, closed fast
They started months ahead to find the right home, not just a home — then moved fast.
Just over 3 weeksBuyer’s agent @Wineyshkaisabel
Aledo, TXVA purchase
A second VA loan, first one kept
They still had a VA loan on a home in Missouri. With the right structure, the benefit kept working.
Second-tier entitlementAmanda Falconer & Laura Bumgarner
Payment calculator
Estimate your monthly payment
Estimated monthly payment
$0/mo
- Principal & interest
- Property tax
- Insurance
- Mortgage insurance
- Loan amount
Illustration only — not a quote. VA shows the funding fee financed (2.15% first use) and no monthly MI; FHA uses 1.75% upfront and 0.55% annual MIP; conventional MI is estimated at 0.5%/yr under 20% down. Ask Craig for real numbers on your scenario.
FAQ
USDA loans: common questions
How do I know if an address qualifies?
Send Craig the address and he will check the USDA eligibility map for you.
Is USDA only for farms?
No — it is for primary residences, including many suburban neighbourhoods.
How long does it take to close?
Most loans close in about 21–30 days. Some of Craig’s recent clients closed a purchase in 9 days and a refinance in 4 days when the file was ready — every file is different.
How much do I need for a down payment?
It depends on the program. VA, USDA and physician loans can be zero down for eligible borrowers, FHA starts at 3.5%, and some conventional programs start at 3% — or 1% with lender-paid assistance for income-qualified buyers. Down payment assistance can cover part or all of it.
Compare
All loan optionsOther options worth a look
VA loans$0 down, no PMI and limits on closing costs for veterans, active-duty service members and eligible surviving spouses.
VA one-time close constructionBuy the land and finance construction in a single closing — with participating lenders, no payments for up to 11 months while the home is built.
FHA loansGovernment-backed loans with 3.5% down and more flexible credit and income guidelines.
Need a human touch?
Craig picks up.
Call, text or book 15 minutes. You will talk to Craig — not a call centre.