Forge Capital
Loan programs

USDA Rural Development

$0 down · 620+ FICO

USDA Rural Development loans

Most of eastern and western Kentucky qualifies. We run eligibility on the exact parcel before you write an offer.

Program highlights

01

Property check
Parcel-level eligibility mapped before you make an offer
Income cap
Household limits vary by county — we run yours upfront
Guarantee fee
1% upfront, 0.35% annual — cheaper than FHA MI
Closing costs
Can be financed when the appraisal supports it

Who this fits

02

  • Buyers outside metro boundaries who want zero down
  • Households under the county income cap
  • First-time buyers with limited savings

How it closes

03

  1. 01

    Confirm parcel and income eligibility

  2. 02

    Underwrite and issue conditional commitment request

  3. 03

    USDA guarantee approval

  4. 04

    Close with no money down