The USDA Loan Program

Designed to help rural and suburban Americans achieve the dream of homeownership USDA Housing Programs give families and individuals the opportunity to buy, build, repair, or own safe and affordable homes located in rural America. USDA loans are guaranteed by the U.S. Department of Agriculture. This guarantee enables qualified lenders like ACM, to offer competitive interest rates to encourage homeownership and economic development in rural areas.

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Highlights & Benefits

Down Payment

No down payment required / 100% financing


Flexible fixed-rate lending options

Flexible Program

Flexible credit and qualifying guidelines, not limited to first-time homebuyers

Closing Cost Assistance

Closing costs can come from a gift funded by a relative, be paid by the seller (up to 6%), or can be financed up to the appraised value of the home

More About The USDA Program

A USDA Home Loan from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered by mortgage companies, such as ACM to rural property owners by the United States Department of Agriculture (USDA). These loans are designed for Americans which may not qualify for traditional lending options but still offer rather traditional mortgage terms. With competitive interest rates and 100% financing, this option may be ideal for first-time homebuyers as well as current homeowners interested in making their next move – their best move.

USDA Loan Options

  • Can be combined with the VHDA

    The Virginia Housing Development Authority offers grant programs that can assist with closing costs or down payments for qualified applicants.

  • Can be combined with the MMP

    The Maryland Mortgage Program (MMP) offers down payment and closing cost assistance in the form of a grant or as a deferred, no-interest loan.

Atlantic Coast Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA, the Federal or State Government.

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