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Biggs is a small agricultural city in Butte County. That rural character makes it a strong candidate for USDA loan eligibility.
USDA loans are built for exactly this kind of market. Zero down, government-backed, and designed for buyers outside major metro areas.
0%
Down Payment
640 (standard)
Min Credit Score
Varies by household
Income Limit
30–45+ days
Typical Close Time
Primary residence only
Property Use
USDA Loans in Biggs
To qualify, your household income must fall within USDA limits for Butte County. These limits account for household size, so larger families often qualify at higher income thresholds.
Credit requirements are more flexible than conventional loans. Most lenders want a 640 score for automated approval, but manual underwriting is possible below that.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Biggs.
Biggs is a small agricultural city in Butte County. That rural character makes it a strong candidate for USDA loan eligibility.
USDA loans are built for exactly this kind of market. Zero down, government-backed, and designed for buyers outside major metro areas.
To qualify, your household income must fall within USDA limits for Butte County. These limits account for household size, so larger families often qualify at higher income thresholds.
Not every lender offers USDA loans. Many banks skip the program entirely because volume is low and processing takes longer than conventional deals.
Working with a broker who has USDA-approved lenders in their network is a real advantage. We have access to 200+ wholesale lenders, including those actively doing USDA in rural California.
USDA eligibility maps update periodically. An area that qualifies today could be reclassified if population growth pushes it out of rural status. Biggs is small enough that this risk is low, but always confirm before you're deep into a contract.
The guarantee fee is the cost most buyers miss. USDA charges an upfront guarantee fee and an annual fee — similar to FHA's mortgage insurance. Roll the upfront fee into your loan to keep cash at closing near zero.
FHA requires 3.5% down. Conventional requires at least 3%, plus better credit. USDA is the only standard program that gets you to zero down without military service.
VA loans also offer zero down, but only for veterans and active-duty borrowers. If you don't have VA eligibility and can't afford a down payment, USDA is the strongest alternative in a qualifying area like Biggs.
Biggs sits in the Sacramento Valley, surrounded by rice fields and farmland. The town's low population and distance from urban cores strongly supports USDA eligibility as of April 2026.
Butte County has faced economic hardship in recent years. That can work in buyers' favor — income limits may give more room here than in higher-cost California counties.
Biggs is a small rural city in Butte County and is likely USDA-eligible. Always verify on the USDA eligibility map before signing a purchase contract.
Limits vary by household size. Larger households qualify at higher income thresholds — confirm the current limit for your household before assuming you're over.
The down payment is zero, but closing costs still apply. Sellers can cover those costs, or you can roll the upfront guarantee fee into the loan.
USDA loans take longer than conventional — often 30 to 45 days or more. Factor this into your contract timeline to avoid closing delays.
The property must be in decent condition. Major structural issues or health-and-safety defects can cause USDA appraisal failures, similar to FHA standards.
USDA charges an upfront guarantee fee and an annual fee — not called mortgage insurance, but it works the same way. Rates vary by borrower profile and market conditions.