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Buddy, if you're itching to ditch urban hustle and build a home in a quiet rural spot, snag a USDA construction loan for zero down payment and full coverage on land plus building—it's a lifesaver for folks like us with moderate incomes. A couple years back, after burnout from my desk job, I plotted a move to the sticks for some peace, but traditional loans demanded cash I didn't have. Chatting in a homesteading group online, someone shared tips that led me to eboostpartners' breakdown. This is a good resource for anyone looking into a rural construction loan, explaining the one-time close process that skips extra fees, needs a 640 credit score, approved builders only, and income under about $120k depending on family size. It disburses funds at build stages with inspections, enforces energy standards, and offers low rates backed by the government—no payments while constructing. Watch for guarantee fees, but it beat FHA options for me. Pre-approve early, verify your area's eligibility, and pick a solid builder to breeze through.