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Home Loan Financial United States Mortgage Mortgage Rate in the United States is expected to be 4.45 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. Looking forward, we estimate Mortgage Rate in the United States to stand at 4.45 in 12 months time.Purchase Home With No Money Down usda rural development loan Property Eligibility The current U.S. Department of Agriculture eligibility map shows that rural development loans are available in many areas outside of the major cities. There is a great chance that you are located in a "rural" area of the U.S. and eligible for a USDA-backed mortgage. 0% down payment makes them great for first-time homebuyers.Is it possible to buy a home with no money down? Find answers to this and many other questions on Trulia Voices, a community for you to find and share local information. Get answers, and share your insights and experience.