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Angels Camp sits in Calaveras County — rural Gold Country that USDA maps consistently mark as eligible. That means zero down financing is on the table here.
Most buyers in this area don't realize they qualify. USDA eligibility is about location and income, not acreage or farming history.
640
Min Credit Score
0%
Down Payment
1% of loan amount
Upfront Guarantee Fee
0.35% of balance
Annual Fee
45-50 days
Typical Close Time
USDA Loans in Angels Camp
You need a 640 credit score to hit USDA's automated approval system. Below that, manual underwriting is possible but harder to get through.
Income limits apply. USDA caps household income based on county and family size. Calaveras County limits are moderate — most working families in Angels Camp fall within range.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Angels Camp.
Angels Camp sits in Calaveras County — rural Gold Country that USDA maps consistently mark as eligible. That means zero down financing is on the table here.
Most buyers in this area don't realize they qualify. USDA eligibility is about location and income, not acreage or farming history.
You need a 640 credit score to hit USDA's automated approval system. Below that, manual underwriting is possible but harder to get through.
Not every lender offers USDA. Big retail banks often don't bother. You need a lender approved through USDA's Guaranteed Loan Program.
At SRK CAPITAL, we work with 200+ wholesale lenders — several specialize in rural California programs. We shop across all of them to find the sharpest rate for your profile.
USDA loans carry an upfront guarantee fee and an annual fee. These replace private mortgage insurance, and they're usually cheaper than FHA's mortgage insurance.
One thing buyers miss: USDA takes longer to close than conventional. Budget 45-50 days. Sellers in Angels Camp need to know that upfront — set expectations early.
FHA requires 3.5% down. VA requires zero — but only for veterans. USDA is the only zero-down path for civilian buyers in eligible areas like Angels Camp.
Conventional loans hit you with PMI under 20% down. USDA's annual fee is often lower. If you qualify on income and location, USDA usually wins on monthly cost.
Angels Camp is a small city — population in the low thousands. Properties here are mostly single-family homes, which fit USDA's eligible property types cleanly.
Calaveras County has limited inventory. When a home hits the market, it moves. Having your USDA pre-approval ready before you search is not optional — it's how you compete.
Yes, as of April 2026, Angels Camp qualifies under USDA rural designation. Confirm your specific property address at the USDA eligibility map before making an offer.
USDA sets limits by household size and county. Check current Calaveras County limits on the USDA Income Eligibility site — they adjust periodically.
The home must meet USDA's minimum property standards. Major repairs or structural issues can stall or kill approval — condition matters.
There's a 1% upfront fee rolled into your loan, plus a 0.35% annual fee. Rates vary by borrower profile and market conditions.
Plan for 45-50 days. USDA adds a review step that conventional loans skip. Give your seller a realistic timeline from day one.
Yes. USDA offers a streamlined refinance option if you already have a USDA loan. It skips the appraisal in most cases.