Question 1

Does Gridley qualify for USDA loans?

Accepted Answer

Yes. Gridley meets USDA rural eligibility requirements. Most properties within city limits will qualify, but always verify the specific address at the USDA eligibility site.

Question 2

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

Accepted Answer

Limits vary by household size. Larger households qualify at higher income ceilings — don't assume you're over the limit without checking.

Question 3

Do I need perfect credit for a USDA loan?

Accepted Answer

Most USDA lenders require a 640 score minimum. Some lenders go lower with strong compensating factors, but 640 is the reliable floor.

Question 4

How long does USDA loan approval take in Gridley?

Accepted Answer

Budget 45-60 days. USDA files need a second review by the Rural Development office, which adds time beyond a standard loan.

Question 5

Can I use USDA to buy a fixer-upper in Gridley?

Accepted Answer

The property must meet USDA condition standards. Significant repairs may need to be completed before closing — not ideal for heavy fixer-uppers.

Question 6

Is USDA better than FHA for Gridley buyers?

Accepted Answer

For buyers who qualify, usually yes. Zero down and lower annual insurance make USDA the stronger monthly payment option when income limits are met.

USDA Loans in Gridley, CA — Zero Down in Butte County