Zero down payment, for eligible rural New York properties.
USDA loans offer 100% financing with no down payment for eligible properties and borrowers, backed by the U.S. Department of Agriculture. Coltrain Mortgage helps you confirm eligibility and navigate the process from application to closing.
Check Your USDA Eligibility
A local loan officer replies directly - usually within one business day.
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A Coltrain loan officer will personally reach out shortly. Have a question right now? Call (631) 851-4420.
What makes USDA loans different
Zero down payment
100% financing available for eligible borrowers and properties - no down payment required.
Government-backed
Insured by the USDA Rural Development program, which allows lenders to offer more flexible terms.
Property location matters
Eligibility is based on the USDA's rural area map, not household income alone - we confirm your specific address.
Income limits apply
Based on area median income and household size - many moderate-income families qualify.
Not sure if your area or income qualifies? Let's check together.
Who USDA loans work well for
Buyers Without Savings for a Down Payment
100% financing means you don't need to have a down payment saved to become a homeowner.
Eligible Rural & Suburban Areas
Some parts of eastern Suffolk County and other rural areas of New York may qualify - we check the USDA map for your address.
Households Within Income Limits
USDA sets income limits by area and household size - many moderate-income families qualify.
Buyers New to Homeownership
Combined with no down payment, USDA is often one of the most accessible paths to a first home.
30-Year Fixed Terms
Predictable, stable monthly payments for the life of the loan.
An Experienced Guide
A Coltrain loan officer walks every USDA borrower through eligibility and what to expect.
From application to closing
Check eligibility
We confirm whether your target property and household income qualify for USDA financing.
Get pre-qualified
A quick conversation tells you what you qualify for before you start touring homes.
We handle underwriting
Your loan officer manages documentation and keeps you updated at every step.
Close with $0 down
Sign, get your keys, and move forward without needing a down payment saved up.
USDA isn't just for farms anymore.
USDA loans are often mistaken for "farmer loans," but eligibility today covers many suburban and rural areas outside major metro centers - including select parts of Long Island. Eligibility depends on both the specific property's location on the USDA's rural area map and your household's income relative to the area median. We check both before you fall in love with a home that might not qualify.
USDA loans, answered
Do I need a down payment for a USDA loan?+
No. USDA loans offer 100% financing for eligible borrowers and properties, meaning no down payment is required.
Is my property in an eligible USDA area?+
Eligibility is based on the USDA's official rural area map, which covers more suburban and semi-rural areas than most people expect - including some parts of eastern Long Island. Give us your specific address and we'll confirm.
What are the income limits for a USDA loan?+
USDA sets income limits based on the area median income and your household size, so the exact number varies by location and family. We calculate your specific limit as part of a free eligibility check.
Can I use a USDA loan to refinance?+
Yes, USDA offers refinance options for existing USDA loan holders, including streamlined programs with reduced documentation in many cases. Ask your loan officer whether you qualify.
Other loan programs on Long Island
Let's check if your home qualifies for $0 down.
No pressure, no obligation - just a clear answer from a local loan officer.