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Easy to OwnSM Programs

Even with a modest down payment and income, you could buy a home of your own

Our Easy to Own programs provide financing options that address the homebuying challenges you may face as a low-to-moderate income buyer. Currently available is the Guaranteed Rural Housing Program.

Guaranteed Rural Housing Program

The Guaranteed Rural Housing Program, provided by the U.S. Department of Agriculture (USDA), helps low-to-moderate income buyers in rural areas become homeowners.

  • Provides financing of up to 100% with no required down payment.
  • Offers long-term fixed-rate terms, helping to keep payments predictable over the life of the loan.
  • You may be able to finance closing costs, legal fees, and other prepaid fees.
  • You'll pay a one-time guarantee fee and an annual fee to the USDA's Rural Development program.


Your monthly mortgage payment will include the annual fee, and may include the guarantee fee. These fees will increase the cost of the loan and monthly payments.

Other low down payment options

Wells Fargo offers several low down payment options, including conventional fixed-rate loans with a down payment as low as 3%.

Show me more low down payment options

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