Think you need a massive down payment to buy a home in the desert? Think again. By pairing a $0-down USDA loan with negotiated seller credits, you can literally move into a new home with little to no money out of your own pocket. Don't let the name fool you—USDA financing isn't just for farmers or ranchers, and many suburban neighborhoods right here in the Coachella Valley qualify. Here is how to unlock the "holy grail" of real estate financing.
