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today we are talking about one of my favorite zero down loan options for home buyers the USDA rule development loan and dont worry you dont have to live on 20 acres in the middle of nowhere so lets get right into it the first thing I want to address is what is the USDA loan this loan type overall is a lot less popular and well known than some of the big ones like FHA conventional and VA financing so the USDA rule development loan offers qualifying individuals and families the opportunity to purchase a single family home with no money down ineligible rural areas so this is 100 financing meaning that you would not need to have a down payment in order to close on a house using this loan type if you want to relate it to something its almost like a down payment assistance but instead of a grant or some type of forgivable second loan this is all in one loan program similar to almost a VA loan now this is cool because its not just restricted to first-time home buyers so repeat home buye