Question 1

Does Fortuna qualify for USDA loans?

Accepted Answer

Yes. Fortuna is in a USDA-eligible rural area. Borrowers still need to meet income and credit requirements.

Question 2

What is the income limit for USDA loans in Humboldt County?

Accepted Answer

Limits vary by household size and are set by USDA annually. Check current limits before assuming you qualify.

Question 3

Can I buy a fixer-upper with a USDA loan?

Accepted Answer

The property must meet USDA minimum condition standards at closing. Major repairs typically need to be done before funding.

Question 4

How long does a USDA loan take to close?

Accepted Answer

USDA loans require a government conditional commitment, which adds time. Plan for 45-60 days minimum.

Question 5

Is USDA or FHA better for Fortuna buyers?

Accepted Answer

USDA wins on monthly cost if you qualify — zero down and lower mortgage insurance. FHA is the fallback if income is too high.

USDA Loans in Fortuna, CA — Zero Down in Humboldt County