USDA

100%

Down Payment

Fixed Rate

Mortgage Insurance

Minimum Credit Score: 620

A home loan for moderate to low-income rural households.

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Frequently Asked Questions

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Pros and Cons

Pros

USDA home loans are a great 0% down option for low to moderate income households interested in purchasing a home in rural areas of California.

  • No Down Payment
  • Buy a home now instead of waiting for when prices are higher
  • Avoid increasing rents by owning sooner

Cons

You may qualify for a lower purchase price with a USDA home loan versus other types of home loan programs.

  • Limited on where you can buy
  • Debt-to-income ratio limited
  • Maximum limits on income to qualify

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The Bottom Line

If you're looking to buy in a low population area and are under the income maximums set by USDA then this might be the perfect home loan for you. Secure your home and start realizing the benefits of home ownership. 

Ready to Apply for a USDA Home Loan?

Apply Now