What Is a USDA Loan?

A USDA loan is a government-backed mortgage offered through the U.S. Department of Agriculture's Rural Development program. It provides 100% financing — meaning no down payment — for eligible buyers in designated rural and suburban areas. Many areas in and around Hendersonville and Sumner County qualify.

Do I Qualify?

USDA loans have income limits based on household size and county. The property must be in a USDA-eligible area and serve as your primary residence. Credit score requirements are generally 640+, though exceptions may apply. CFC Mortgage can quickly check your eligibility at no cost.

Key Benefits

• Zero down payment (100% financing)
• Below-market interest rates
• Low monthly mortgage insurance
• Flexible credit guidelines
• Closing costs can be rolled into the loan
• Available for purchase and refinance
• Many Sumner County areas are USDA-eligible