Zero Down vs. Lower Interest: Which USDA Option Makes More Sense?

running718 · 2025-11-29T16:10:11Z

Trying to decide between a USDA loan with zero down payment or one that offers a slightly lower interest rate but requires, like, 3% down. Both are available in my area (kinda rural, lots of cows, you know the vibe). The zero down is tempting 'cause, well, cash is tight, but the lower rate could save more long-term? Anyone been in this boat—what did you pick and why?

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USDA Loans for Rural Housing

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Man, you nailed it with the “surprises” part—my fridge died two weeks after moving in. Zero down felt safer for me just to keep a little cushion. But yeah, those interest numbers haunt me sometimes... It’s all about what helps you sleep at night, I guess.

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Zero Down vs. Lower Interest: Which USDA Option Makes More Sense?

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