Make the dream of home ownership come true with
USDA 100% Financing for rural America.
• Finance full purchase price plus closing costs up to 102% appraised value.
• 6% seller concessions permitted for closing cost assistance.
• 100% gifting permitted for all closing costs.
• No post-closing reserve requirements.
• 29/41% ratios.
• NOT limited to first-time home buyers.
• No monthly mortgage insurance – one time RHS guarantee fee at closing
which keeps monthly payments lower than FHA.
• Finance approved RHS property improvements into total loan up to 102% of
“as improved” value. Repairs may be completed after loan closing.
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Serving San Luis Obispo, Arroyo Grande, Pismo Beach, Paso Robles, Santa Maria,
Santa Barbara, as well as all of California!