Caleb and Michelle Barnes just bought their 1st home... with NO DOWN PAYMENT! How did they do that? With the help of Paducah Bank, the couple was able to secure a USDA loan (also called a Rural Development Loan) for the purchase. The USDA Loan is a government insured home loan that offers 100% financing to qualified buyers and allows for all closing costs to either be paid by the seller, or financed into the loan. USDA offers some the lowest rates of any loan and always has a fixed interest rate. If you would like more information about USDA loans or any loan from Paducah Bank, please contact any of our WOW Lenders at 270-575-5700.