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USDA Home Renovation Loan – Buy It AND Fix It With One Loan

USDA Home Renovation Loan – Buy It AND Fix It With One Loan

Mortgage Broker | Branch Mgr.
ReAnn Gonzalez
Published on July 31, 2025

USDA Home Renovation Loan – Buy It AND Fix It With One Loan

Thinking about buying a home in a rural area, but it needs repairs? With the USDA Renovation Loan, you can finance BOTH the purchase and repairs of a home with zero down payment and one fixed-rate loan!

Whether it’s a roof, flooring, or plumbing that needs attention - this program helps eligible buyers turn a fixer-upper into a dream home with minimal out-of-pocket costs.

✅ 0% Down
✅ One Loan for Purchase + Repairs
✅ Owner-Occupied Only
✅ 620+ Credit Score
✅ Max DTI 41%
✅ Income Limits Apply (115% of Area Median Income)
✅ Home Must Be 12 Months or Older
✅ Rural Area Required - I can help verify eligibility!

I’m here to guide you through the process and check if the property and borrower qualify. Don't miss out on this powerful tool for first-time buyers and families looking to renovate and save!
📲 Reach out today for more details or a custom quote!

If you have any questions or comments, please leave them in the section below.

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Edge Home Finance
7362 Remcon El Paso, TX 79912 NMLS# 891464
ReAnn Gonzalez NMLS# 219070

Mortgage Broker | Branch Mgr.
ReAnn Gonzalez Mortgage Broker | Branch Mgr.
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(915) 478-1157

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