Question 1

Does Bishop, CA qualify for USDA loans?

Accepted Answer

Yes. Bishop and most of Inyo County meet USDA rural area criteria. Eligibility is confirmed at the property level during the application.

Question 2

What are the income limits for USDA in Inyo County?

Accepted Answer

Limits vary by household size and are updated annually by USDA. A broker can check your specific household against current Inyo County limits.

Question 3

Can I buy a manufactured home with a USDA loan in Bishop?

Accepted Answer

Possibly. USDA allows certain manufactured homes but they must meet specific condition and title requirements. Ask us before assuming it qualifies.

Question 4

How long does a USDA loan take to close?

Accepted Answer

Budget 45-60 days. USDA requires an extra review step through the Rural Development office, which adds time compared to FHA or conventional.

Question 5

Is USDA or FHA better for Bishop homebuyers?

Accepted Answer

USDA wins on monthly cost if you qualify — zero down and lower fees than FHA. The catch is stricter income limits and longer closing timelines.

Question 6

Can I use USDA for a vacation or investment property?

Accepted Answer

No. USDA is strictly for primary residences. If you're buying a Bishop property as a second home or rental, you'll need a different loan type.

USDA Loans in Bishop, CA — Zero Down in Inyo County