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Usda Rural Development Application Buy Zero Down Homes New 15-Year Mortgage With $0 Down Payment Debuts – Home buyers can convert their down payment to buy down the interest rate. If they don’t have money to put down, they can use a 3% seller concession to buy down the interest rate to near zero. For.USDA Loan Application Review Process by Rural Development. – The loan process for a USDA loan is a complex one because the approval process does not stop with the lender itself – the complete application and underwriting package must be approved by the Rural Development Area Office.