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USDA Rural Housing Loans
(Zero Down Payment)

USDA Rural Development LoansApply online right now for your MHFA loan

USDA Rural Development loans provide home buyers the opportunity to buy a rural home with no down payment. 'Rural' is defined by USDA as being outside a large metropolitan area. The property that the borrower wishes to buy must be a single-family, owner-occupied home from which no income can be derived. 

  • You can finance 100% of the purchase price (ZERO DOWN)

  • Sellers can pay your closing costs

  • Old bankruptcy or foreclosure is OK (more than 3-years old)

  • Low mortgage insurance costs (PMI) compared to other loans.

  • Single family homes, town homes, condos all allowed (in a "eligible areas")

  • 640 or higher middle credit score

 Get approved for a USDA Loan in MN and WI with 3 Simple Steps 

Check INCOME Eligibility
Check Property Eligibility
Fill out an online USDA Loan Application.


Cambria Mortgage - St Paul Office
33 Wentworth Ave E, Suite 290
Saint Paul, MN 55118
Office (651) 552-3681    Fax (651) 994-6425

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33 Wentworth Ave E - St Paul, MN 55118 - NMLS 274132
Equal Housing Lender 1998 - 2024 - Joe Metzler for Cambria Mortgage

License Information
Cambria Mortgage. Nationwide Mortgage Licensing System and Registry (NMLS) # 322798 Saint Paul Branch - NMLS # 1888858
Joe Metzler, Licensed Mortgage Loan Originator NMLS #  274132. Minnesota Lic/Reg #: MN-MLO-274132. Wisconsin Lic/Reg #: 11418. South Dakota MLO.03095