Question 1

Is Blue Lake, CA eligible for USDA loans?

Accepted Answer

Blue Lake is in rural Humboldt County and is generally USDA-eligible. Verify each property address on the official USDA eligibility map before making an offer.

Question 2

What income limit applies in Humboldt County for USDA?

Accepted Answer

USDA income limits vary by household size and county. Check the current Humboldt County limits directly on the USDA website — all household members' income counts.

Question 3

Can I use USDA if I already own land in Blue Lake?

Accepted Answer

Owning land doesn't automatically disqualify you. USDA looks at whether the land is modest and whether you need the loan — a broker can assess your specific situation.

Question 4

How long does a USDA loan take to close in California?

Accepted Answer

Expect 45-60 days. USDA requires a government review step that conventional loans skip. Build that time into your purchase contract.

Question 5

Does USDA require mortgage insurance?

Accepted Answer

USDA calls them guarantee fees, not mortgage insurance. There's a 1% upfront fee and a 0.35% annual fee. Both affect your total loan cost.

Question 6

What credit score do I need for a USDA loan?

Accepted Answer

Most USDA lenders want a 640 credit score. Below that, approval is possible through manual underwriting but approval is harder and fewer lenders will do it.

USDA Loans in Blue Lake, CA — Zero Down in Humboldt County