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Plymouth sits in Amador County's Gold Country — and most of it qualifies for USDA financing. That means zero down payment for eligible buyers.
Rural areas like Plymouth are exactly what the USDA program was built for. If you've been saving for a down payment, you may not need it here.
0%
Down Payment
640
Min Credit Score
1%
Upfront Guarantee Fee
0.35%
Annual Fee
45-60 days
Typical Close Time
USDA Loans in Plymouth
You need a 640 credit score to hit the automated approval threshold. Below that, files go manual — harder, not impossible.
Income limits apply. The USDA caps household income based on county and family size. Amador County limits are set for a rural market, so check your number before assuming you qualify.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Plymouth.
Plymouth sits in Amador County's Gold Country — and most of it qualifies for USDA financing. That means zero down payment for eligible buyers.
Rural areas like Plymouth are exactly what the USDA program was built for. If you've been saving for a down payment, you may not need it here.
You need a 640 credit score to hit the automated approval threshold. Below that, files go manual — harder, not impossible.
Not every lender works USDA loans. Many retail banks skip them entirely — the approval process is longer and more manual.
As a broker with access to 200+ wholesale lenders, we can route your file to lenders that actually close USDA deals regularly. That matters when timelines are tight.
USDA loans carry a guarantee fee — 1% upfront, 0.35% annual. Roll the upfront fee into the loan. Most buyers do.
The property has to meet USDA condition standards. Homes needing major repairs can stall or kill the deal. Get a thorough inspection before you're deep into the process.
FHA requires 3.5% down. USDA requires zero. On a $350,000 home, that's $12,250 you keep in your pocket.
VA beats USDA if you're eligible — no down payment and no annual fee. But VA requires military service. USDA is the zero-down option for civilian buyers in eligible areas.
Plymouth's rural character is an asset here. USDA eligibility maps favor smaller Amador County communities over dense suburban cities.
Verify the specific parcel before you make an offer. USDA eligibility is property-specific. One street can qualify; the next block might not.
Most of Plymouth falls within USDA-eligible rural zones. Always verify the specific property address on the USDA eligibility map before proceeding.
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.
USDA charges 1% upfront and 0.35% annually. FHA charges 1.75% upfront and 0.55%+ annually — USDA is typically cheaper over time.
USDA has property condition requirements. Homes needing significant repairs often don't pass. Talk to us before falling in love with a distressed property.
Expect 45-60 days. USDA files go through an extra government review step. Budget more time than a conventional loan.
640 gets you automated underwriting — the smoother path. Below 640, your file goes manual review, which is slower and stricter.