: Offers 100% financing (no down payment) through private lenders.

: Offers a 50% discount on the list price of homes in designated revitalization areas for teachers who commit to living there for three years.

: Must be a modest, safe, and sanitary primary residence. Some lenders may restrict homes with in-ground swimming pools or those larger than 2,000 square feet. Complementary Programs for Teachers

: The property must be in a USDA-eligible rural area , generally defined as a town with a population under 35,000.

While there is no USDA loan program exclusively for teachers, the are highly beneficial for educators due to their 0% down payment requirement and focus on rural areas where about one-third of U.S. teachers work. Key USDA Loan Features for Teachers

: Provides average savings of $3,000 through reduced lending fees and rebates when using their network of specialists. Single Family Housing Guaranteed Loan Program

: Teachers changing school districts can still qualify if they have a signed contract and a verified one-year employment history.