Buy a Home with $0 Down Payment (USDA Rural Development)
100% Financing for Homes in Adel, Bondurant, Norwalk & More.
Marlen Maddux - Mortgage Loan Officer
American Pacific Mortgage (NMLS #1850)
3917 121st St
Urbandale, IA 50323
Phone: (515) 865-0245
NMLS: #1622760
What is a USDA Loan?
The USDA Rural Development loan is Iowa's best-kept secret. Designed to promote homeownership in rural communities, it allows you to buy a home with absolutely no money down if the property is in an eligible area.
The Facts
✅ 100% Financing: No down payment required ($0).
✅ Cheaper Insurance: USDA mortgage insurance is often cheaper than FHA.
✅ Seller Credits: The seller can pay your closing costs, meaning you could move in for nearly free.
✅ Income Limits: This program is designed for low-to-moderate income families (We verify this for you instantly).
Eligible USDA Areas Near Des Moines
You don't have to live on a farm! Many growing suburbs just minutes from Des Moines are eligible for USDA financing.
Popular areas include:
📍 Adel & Waukee (West)
📍 Bondurant & Altoona (East)
📍 Norwalk & Carlisle (South)
📍 Granger & Polk City (North)
Note: Eligibility maps change. Contact us to verify a specific address.
Préstamos Rurales (USDA) en Español
¿Sabía que puede comprar casa sin enganche si elige vivir un poco más lejos de la ciudad?
✅ 0% de Enganche: Financiamiento del 100%.
✅ Zonas Elegibles: Pueblos tranquilos como Adel, Bondurant o Norwalk.
✅ Pagos Bajos: El seguro del préstamo es más barato que el FHA.
FAQ
Frequently Asked Questions
Do I have to be a farmer to get a USDA loan?
No! USDA loans are for residential single-family homes. You just have to buy within the designated "Rural" map boundaries.
Is there a maximum income limit?
Yes. USDA loans are for households earning below a certain limit (typically around $110,000+ for a family of 4 in Polk County, but this varies). Call us to calculate your household income correctly.
How is this different from FHA?
FHA requires 3.5% down and works anywhere (downtown or rural). USDA requires 0% down but only works in eligible rural towns.
English & Español
My Promise to You
I help homebuyers in the Des Moines metro get clear on their options and confident about next steps—without the jargon. I’m currently a Mortgage Lender at American Pacific Mortgage (NMLS 1850) and I share quick tips and resources here. Opinions are my own.
Ready to Take Control of
Your Future?
Book your appointment today and let us guide you towards your home buying success!
Book your appointment today and let us guide you towards consistent success in the markets. Get started now and unlock your true potential!
Book your appointment today and let us guide you towards consistent success in the markets. Get started now and unlock your true potential!
Marlen Maddux - Mortgage Loan Officer
American Pacific Mortgage (NMLS #1850)
3917 121st St
Urbandale, IA 50323
Phone: (515) 865-0245
NMLS: #1622760
© Copyright 2026. Marlen Maddux. All Rights Reserved.