Question 1

Does Plymouth, CA qualify for USDA loans?

Accepted Answer

Most of Plymouth falls within USDA-eligible rural zones. Always verify the specific property address on the USDA eligibility map before proceeding.

Question 2

What is the income limit for USDA loans in Amador County?

Accepted Answer

Limits vary by household size and are set by the USDA for each county. Check the USDA income eligibility tool with your exact household size.

Question 3

How much does a USDA loan cost compared to FHA?

Accepted Answer

USDA charges 1% upfront and 0.35% annually. FHA charges 1.75% upfront and 0.55%+ annually — USDA is typically cheaper over time.

Question 4

Can I buy a fixer-upper with a USDA loan in Plymouth?

Accepted Answer

USDA has property condition requirements. Homes needing significant repairs often don't pass. Talk to us before falling in love with a distressed property.

Question 5

How long does USDA loan approval take in California?

Accepted Answer

Expect 45-60 days. USDA files go through an extra government review step. Budget more time than a conventional loan.

Question 6

What credit score do I need for a USDA loan?

Accepted Answer

640 gets you automated underwriting — the smoother path. Below 640, your file goes manual review, which is slower and stricter.

USDA Loans in Plymouth, CA — Zero Down in Amador County