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Rural Housing / USDA



If you are looking in a rural area, then definitely consider a Rural Housing/ USDA loan. These loans are zero money down and usually are better payments than other no money down programs.  There is one catch: it has to be in a designated rural housing are based on the USDA rural maps.
 
Rural is a conventional loan with FHA guidelines, so can be a little tougher to get than FHA but not so hard as conventional. Plus and most importantly, it requires $0 down.

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