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https://moreirateam.com/mortgage-products/usda-loans/ The first thing that you should look for in any USDA loan plan is a down payment. A 20% down payment is usually the bare minimum; some lenders require up to 50%. You may be wondering why you would need to pay more, but it is actually required to avoid paying interest at the start of the program. A lender who requires a large down payment upfront is probably not going to be very reputable.