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USDA Rual Housing Loan
Buy a Home With a USDA Loan

If you're buying a home in an eligible rural area, a USDA Rural Housing Loan could help you move forward without a down payment.

See if USDA fits See if USDA fits Connect with a Mortgage Expert Connect with a Mortgage Expert

A Different Path Home

A USDA Rural Housing Loan offers qualified buyers 100% financing on an eligible primary residence, helping reduce the money needed upfront. First Financial Bank can help you understand the requirements and see if USDA fits your plans. 

Country home

Make Upfront Costs More Manageable

A USDA Rural Housing Loan is designed to help eligible buyers purchase a primary residence in a qualifying rural area.

No Down Payment Required

Qualified buyers can finance up to 100% of an eligible home purchase.

Up to a 30-Year Term

Choose a loan term of up to 30 years to finance your primary residence.

Help With Closing Costs

The seller may contribute up to 6% toward eligible closing costs, reducing what you pay upfront.1

See If You Qualify

USDA loans have requirements for both you and the home you want to buy.

You're a legal U.S. resident

You're purchasing a primary residence

Your household meets USDA income requirements

The property is in a USDA-eligible rural area

You meet First Financial underwriting and credit requirements

You have at least a 580 credit score

Not sure if you or the property may qualify? A First Financial Mortgage Advisor can help you understand the requirements and your options.

Connect with a Mortgage Expert Connect with a Mortgage Expert
LTV mortgage flexibility

Your Next Steps

Talk Through Your Plans

Connect with a Mortgage Advisor to discuss the home you're considering, your goals and your financing options.

Review Eligibility

Your Mortgage Advisor can help you understand the USDA requirements that apply to you and the property.

Complete Your Application

If a USDA loan fits your situation, your Mortgage Advisor can guide you through the application and the documents you'll need.

LTV mortgage flexibility

People who are here for you

Guidance for What’s Ahead

Buying a home brings plenty of decisions. Your mortgage should not add unnecessary confusion.

First Financial Bank has served communities since 1834. Today, that experience supports a simple promise: Trusted Guidance, Every Step of the Way.

Your mortgage expert can help you understand:

  • What each financing option means for you
  • Which program requirements may apply
  • What information you'll need
  • What to expect during the mortgage process
  • What your next step should be

It's guidance designed to help you understand the decision before you make it.

Prepare for Your Next Step

If you decide to move forward, it can help to have some basic information ready. We'll let you know exactly what you need based on your situation.

Prior 2 years of address history
Employment & income details
Recent pay stubs
Last 2 years W-2s or 1099s
Download Full Checklist Download Full Checklist

Ready for Your Next Step?

Start your application or connect with a First Mortgage Advisor to answer questions or guide you through the USDA requirements.

Loans subject to credit approval. Applicant must be a legal U.S. resident. USDA Rural Housing Loans are available to homebuyers who meet applicable household income requirements. Income and property requirements vary by location. Property must be located in a USDA-eligible rural area. Mortgage insurance is required. Additional terms and conditions apply.

  1. Mortgage insurance is required. Loan amounts and eligibility depend on the property location and borrower qualifications.