USDA Zero Down Financing Heritage Home Loans is proud to offer the USDA Zero Down Home Loan Program. This is a true, Zero Down Payment Home Loan at competitive rates. The seller is also allowed to pay up to 6% of your closing costs, making this loan the only option to buy your next home with little to no money out of pocket The property must be located in a rural area as defined by the USDA. I have a link for the USDA Eligible Areas in and around Spokane County below. All areas outside the red line are eligible. If you are still not sure if the home you would like to purchase is eligible, fill out the short form below and we can determine if the home qualifies and email you the results. If you would like to see if you qualify for this loan, feel free to give us a call at 509-252-4000. USDA Map Spokane.jpg