07/08/2026
🏡 Land + Build. One Loan. $0 Down.
Yes, you read that right. With a USDA Rural Development loan, you can buy your land AND build your custom home — all wrapped into a single loan, with no down payment required.
At McHugh Contracting, we build custom homes from the ground up for families who want space, privacy, and a place to truly call their own. If you're building in an eligible rural area, the USDA's Single Family Housing program can help make it happen.
Why families love this option:
✅ One loan covers both the land purchase AND the cost of your build
✅ $0 down for qualified buyers — 100% financing
✅ Competitive, fixed interest rates
✅ Made for rural and many small-town areas
✅ Perfect for brand-new construction
No juggling separate loans for the lot and the build. No big down payment standing in your way. Just one clear path from empty lot to finished home.
📍 Not sure if your dream property is in an eligible area? Reach out and let's turn that piece of land into the home you've always pictured.
Learn more about the USDA program here: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-guaranteed-loan-program
