Question 1

Does Firebaugh qualify for USDA loans?

Accepted Answer

Yes, Firebaugh is located in a USDA-eligible rural area. Most single-family properties in the city qualify for zero down payment USDA financing under current rural development guidelines.

Question 2

What are the income limits for USDA loans in Fresno County?

Accepted Answer

Income limits vary by household size and are updated annually by USDA. For Fresno County, limits typically range from moderate to median income levels for the area based on family size.

Question 3

Can I buy a house with land using a USDA loan in Firebaugh?

Accepted Answer

Yes, USDA loans allow purchasing homes with acreage. The property must function primarily as a residence rather than a farm, and acreage limits apply based on local market norms.

Question 4

How long does USDA loan approval take in rural California?

Accepted Answer

USDA loans typically take 30-45 days to close. Rural property appraisals and USDA office review add time compared to conventional loans, so plan accordingly when making offers.

Question 5

Do I need perfect credit for a USDA loan?

Accepted Answer

No, USDA loans accept credit scores as low as 640 for streamlined processing. Lower scores may qualify through manual underwriting with compensating factors like strong payment history.

USDA Loans in Firebaugh: Zero Down Payment Home Financing for Rural California Communities