USDA Rural Loans in Yelm, WA
$0 down for homes in eligible rural and small-town areas.
Work directly with Jodie Barber, a mortgage broker with 30 years of experience serving Yelm and all of Thurston County.
Yelm at a glance
SE Thurston JBLM commuter town on the rural fringe - a rare combo of VA (base) and USDA (rural) eligibility. Median shown is a listing median (CONFIRM sold). Verify USDA by address.
Serving Yelm neighborhoods including Prairie, Thurston Highlands.
Why a USDA loan in Yelm?
Low-to-moderate-income buyers purchasing in a USDA-eligible area (more places qualify than you'd think).
- ✦$0 down payment
- ✦Below-market guarantee fees vs. typical mortgage insurance
- ✦Generous rural eligibility — many suburbs and small towns qualify
WSHFC Home Advantage (DPA) — Up to 5% of the first-mortgage amount. Pair with a Home Advantage first mortgage; ~620 min FICO; homebuyer education required; not limited to first-time buyers; income limits up to $180,000 in King/Pierce/Snohomish (lower in other counties). A needs-based option offers up to $10,000 at 1% interest, deferred 30 years.
USDA Rural Loans FAQ
- Is my area USDA-eligible?
- Many small towns and outer suburbs qualify. Send me the address and I'll check the USDA map and 2026 income limits for you.
“Homeownership is a partnership.” Let's talk about your USDA loan in Yelm. No pressure — just straight answers from someone who's done this for 30 years.