Lending
How a zero-down construction loan works
The USDA Single-Close Construction loan covers land, home and building costs in one closing.
One loan, one closing
Our main financing path is the USDA Rural Development Single-Close Construction loan. It combines the short-term construction loan and the long-term mortgage into one closing, so you don't pay two sets of closing costs.
What it covers
One loan can cover the land purchase or payoff; construction costs such as materials and labor; soft costs like permits, inspections, the survey and lender fees; and a contingency reserve for unexpected costs.
No down payment
For eligible buyers and properties, it's a true zero-down loan.
Who qualifies
The property must be in a USDA-eligible rural area. Many unincorporated and outlying parts of Maricopa County qualify even though they're within commuting distance of Phoenix and Scottsdale, so check each address on the USDA Property Eligibility Map. Household income must also be under the limit for your county and household size. 2026 base limits are $122,800 for 1–4 people and $162,100 for 5–8 people, and higher-cost counties often allow more. Confirm your exact limit with the USDA Income Eligibility Calculator.
Home requirements
USDA requires a new, never-installed home set on a permanent foundation that meets HUD standards, and built to federal manufactured-home safety standards.
If USDA isn't a fit
Conventional, FHA and VA lenders also finance manufactured homes titled as real property. Down payments, eligible areas and loan limits vary by program. If your income is over the limit or the property is outside the rural map, ask our preferred lenders which option fits.