Question 1

Does my house in Parlier need to be on farmland for USDA loans?

Accepted Answer

No. Standard residential properties qualify as long as they're in Parlier's city limits. The USDA designation covers the entire city, not just agricultural parcels.

Question 2

What income counts toward the USDA limit in Fresno County?

Accepted Answer

All household income from adults who will live in the home. This includes wages, self-employment, child support, and most benefits except temporary assistance.

Question 3

Can I use USDA loans if I work seasonally in agriculture?

Accepted Answer

Yes. We calculate your income using a two-year average from tax returns. This accounts for seasonal variation in farm work throughout the year.

Question 4

How long does USDA approval take in Parlier?

Accepted Answer

Expect 35-45 days from application to closing. The USDA review adds time compared to conventional loans, but zero down payment makes it worth the wait.

Question 5

What credit score do I need for USDA financing?

Accepted Answer

Most lenders require 640, though some approve at 620. Lower scores need stronger compensating factors like larger cash reserves or stable employment history.

USDA Loans in Parlier: Zero Down Payment for Fresno County Homebuyers