USDA Bitcoin-Friendly Lenders Network

Bitcoin Mortgages

A network of USDA-approved lenders that accept cryptocurrency documentation as part of the qualifying process for USDA rural development loans. Zero down payment available for eligible rural properties. Income limits apply.

Details

Ltv: 100% (zero down)
Lender: USDA-Approved Partner Lenders
Ltv Max: 100
Max Loan: Area-dependent
Loan Type: USDA Rural Development Loan (Crypto-Friendly Lender Network)
Rate Range: Below market (subsidized)
Jurisdiction: US (Rural)
Margin Calls: N/A
Mortgage Type: USDA (crypto documentation accepted)
States Available: Rural areas nationwide

Links

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More Bitcoin Mortgages

Milo

Milo is the market leader in Bitcoin-backed mortgages, surpassing $100 million originated in February 2026. Up to 100% financing with no cash down payment required. Rates from 8.25%, zero margin calls, and loans up to $25 million. Licensed in 10+ states.

Abra Bitcoin Lending

Abra is a US-based digital asset wealth management platform offering Bitcoin-backed loans for high-net-worth individuals. Abra Boost and Abra Borrow allow clients to leverage Bitcoin holdings for liquidity without selling, with competitive interest rates for accredited investors. The platform manages over $1 billion in digital assets.

Ameris Bank

Ameris Bank is a regional bank and mortgage lender that accepts cryptocurrency holdings, including Bitcoin, as qualifying assets for residential mortgage applications. Based in the Southeast US, Ameris Bank has updated its mortgage underwriting guidelines to accommodate borrowers with significant digital asset holdings, aligning with FHFA guidance allowing crypto reserves for conforming loans.