Question 1

Is Orland eligible for USDA loans?

Accepted Answer

Yes. Most of Glenn County — including Orland — falls within USDA-eligible rural areas. Confirm your specific address at the USDA property eligibility map.

Question 2

What credit score do I need for each loan?

Accepted Answer

FHA requires 580 for 3.5% down, or 500 with 10% down. Most USDA lenders want a 640 credit score to qualify.

Question 3

Does USDA really mean no down payment?

Accepted Answer

Yes. USDA loans are 100% financed. You still pay closing costs, but those can sometimes be rolled in or covered by seller credits.

Question 4

Which loan has lower monthly costs?

Accepted Answer

USDA typically carries lower mortgage insurance rates than FHA. That means lower monthly payments on a comparable loan amount. Rates vary by borrower profile and market conditions.

Question 5

Can I use FHA or USDA for a fixer-upper?

Accepted Answer

FHA has a 203k rehab option for fixer-uppers. Standard USDA loans require the home to meet condition guidelines and won't cover major repairs.

Question 6

Are there income limits on FHA loans?

Accepted Answer

No. FHA has no income ceiling. USDA does — your total household income must stay under the limit for Glenn County to qualify.

FHA vs USDA Loans in Orland, CA: Which Fits You?