**Zero down offer available only for closed purchase agreements with buyers who qualify for USDA financing through K. Hovnanian American Mortgage, L.L.C. (KHAM). KHAM reserves the right to change, withdraw or discontinue any offer at any time without notice. Offers, incentives and seller contributions are subject to certain terms, conditions and restrictions. Not all property locations are eligible under the USDA program and specific eligibility, credit and income restrictions apply. Subject to final negotiation of contract terms and is subject to all RESPA guidelines. Availability may vary. Prices do not include closing costs and other fees to be paid by buyer. Prices are subject to change without notice. The USDA zero down program is a fixed rate for 30 years, owner occupied and requires an upfront Guarantee Fee Financed in addition to a monthly USDA Annual Fee Premium paid monthly. This is not an offer in states where prior registration is required. Void where prohibited by law. Seller is not a lender. Offer not available on all homes, communities or states. Offer subject to change without notice. See Sales Consultant for details. K. Hovnanian American Mortgage, L.L.C. 3601 Quantum Boulevard, Boynton Beach, FL 33426. NMLS #3259 (www.nmlsconsumeraccess.org). Mortgage Banker Registration issued by Texas Department of Savings and Mortgage Lending. Equal Housing Opportunity.