Can you use down payment assistance with a USDA loan?
Yes: 1269 of the 2,700-plus programs in the catalog name USDA among the loan types they can be paired with.
USDA loans are limited to homes in areas USDA designates as rural, and carry their own household income limits that apply alongside the assistance program’s. Like VA, USDA requires no down payment, so assistance is commonly applied to closing costs.
State by state
51 states and territories have at least one. Each links to that state's full directory.
| State | Programs naming USDA |
|---|---|
| Florida | 166 |
| California | 148 |
| Texas | 89 |
| Colorado | 53 |
| Maryland | 46 |
| Virginia | 42 |
| Minnesota | 40 |
| North Carolina | 33 |
| South Carolina | 32 |
| New Jersey | 30 |
| Ohio | 29 |
| Pennsylvania | 29 |
| Washington | 29 |
| Louisiana | 27 |
| Oklahoma | 27 |
| Massachusetts | 25 |
| New York | 24 |
| Arizona | 23 |
| Illinois | 21 |
| Tennessee | 21 |
| Montana | 20 |
| Georgia | 18 |
| Iowa | 18 |
| Indiana | 18 |
| Nevada | 17 |
| Utah | 17 |
| Oregon | 16 |
| Delaware | 15 |
| Connecticut | 13 |
| Mississippi | 12 |
| New Hampshire | 12 |
| South Dakota | 12 |
| Alaska | 11 |
| Alabama | 11 |
| Hawaii | 11 |
| Kentucky | 11 |
| West Virginia | 11 |
| Wyoming | 11 |
| Idaho | 9 |
| Nebraska | 9 |
| Kansas | 8 |
| Michigan | 8 |
| North Dakota | 8 |
| New Mexico | 7 |
| Rhode Island | 7 |
| Vermont | 7 |
| Arkansas | 5 |
| Maine | 5 |
| Missouri | 5 |
| Wisconsin | 2 |
| District of Columbia | 1 |
Questions, answered
Can you use down payment assistance with a USDA loan?
Yes: 1269 of the 2,700-plus programs in the catalog name USDA among the loan types they can be paired with. USDA loans are limited to homes in areas USDA designates as rural, and carry their own household income limits that apply alongside the assistance program’s. Like VA, USDA requires no down payment, so assistance is commonly applied to closing costs.
Where do these numbers come from?
Hey Prescott maintains a catalog of active down payment assistance programs across all 50 states and DC, each verified against the administering agency's own published material and carrying the date it was last checked. The counts on this page are drawn from that catalog and refresh as it does.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
More questions
- Do you have to pay back down payment assistance?
- Do you have to be a first-time buyer to get down payment assistance?
- Can you combine down payment assistance programs?
- Do you need a homebuyer education class for down payment assistance?
- What credit score do you need for down payment assistance?
- Can you use down payment assistance on a manufactured home?
90-second match
Not sure which you qualify for?
Answer 9 questions and we'll match you to every program you can actually use — in about 90 seconds. No SSN, no credit pull.
Find my programs