Mortgage Navigator • USDA Property & Special Transactions

USDA Gifts & DPA

USDA may already provide 100% financing, but gift funds and assistance can still help cover eligible closing costs and transaction expenses.

Zero down does not eliminate every cash need

Closing costs, prepaids, inspections and other expenses can still exist even when the base purchase financing is 100%.

Outside assistance can fit

Eligible gifts and approved secondary-financing/down-payment-assistance structures can be used when documented and compliant with USDA and the assistance program's requirements.

Best use case: combine USDA's no-down-payment structure with legitimate assistance for eligible settlement costs rather than assuming USDA borrowers never need outside funds.

Official USDA baseline

USDA Chapter 6 — Loan Purposes · USDA Chapter 9 — Income & Assets

Educational summary. Current handbook, GUS findings and approved-lender requirements control the actual transaction.