Question 1

Do I need to put money down for a USDA loan in Brentwood?

Accepted Answer

No — USDA loans require zero down payment. You finance 100% of the purchase price. There's no PMI or funding fee, so you avoid the extra costs that come with low-down conventional or FHA loans.

Question 2

What's the monthly payment on a $200,000 USDA loan at today's rate?

Accepted Answer

At 6.125% (as of April 8, 2026), principal and interest run $1,215 monthly on a $200,000 USDA loan. That's before property taxes, insurance, and HOA fees.

Question 3

What income do I need to qualify for a USDA loan in Brentwood?

Accepted Answer

Income limits cap at 115% of Contra Costa's area median — roughly $144,587 for a family of four. Contra Costa's median household income is $125,727, so most families earning $90K–$130K qualify.

Question 4

Does every property in Brentwood qualify for a USDA loan?

Accepted Answer

No — the property must be in a USDA-eligible rural area. Brentwood has qualifying zones, but not every parcel qualifies. Verify location with your lender or realtor before making an offer. Manufactured homes on leased land don't qualify.

Question 5

How long does a USDA loan close take in Brentwood?

Accepted Answer

Expect 30–45 days. USDA appraisals are stricter than conventional because the property must meet rural standards. That adds time but ensures the property is sound and the loan is protected.

USDA Loans in Brentwood: Zero Down, Fixed Rate for Rural Homebuyers