Question 1

Does Maricopa, CA qualify for USDA loans?

Accepted Answer

Maricopa is in rural Kern County and generally meets USDA's geographic eligibility. Verify the exact property address on the USDA eligibility map before assuming.

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 minimum credit score.

Question 3

Which loan has lower mortgage insurance?

Accepted Answer

USDA charges 0.35% annually. FHA charges 0.55% annually. USDA wins on ongoing insurance costs for qualified buyers.

Question 4

Can I use USDA if my household income is high?

Accepted Answer

No. USDA sets income limits based on household size and county. Kern County limits apply here — all household members' income counts.

Question 5

Can I buy any home type with these loans?

Accepted Answer

Both require the property to be your primary residence. USDA also restricts eligible property types — investment properties and vacation homes are out.

Question 6

Which loan closes faster?

Accepted Answer

FHA and USDA timelines are similar, but USDA loans require an extra approval step from the USDA office. Budget extra time for USDA closings.

FHA vs USDA Loans in Maricopa, CA: Which One Wins?