Question 1

Does Taft qualify for USDA loans?

Accepted Answer

Yes, as of April 2026, Taft is in a USDA-eligible rural area. Eligibility can change, so confirm before you start the process.

Question 2

What is the income limit for USDA in Kern County?

Accepted Answer

Limits are set at 115% of the area median income and vary by household size. Check the USDA income eligibility tool for current Kern County figures.

Question 3

Can I use USDA to buy an older home in Taft?

Accepted Answer

Yes, but the home must meet USDA's minimum property standards. Deferred maintenance or safety issues will need to be fixed before closing.

Question 4

How long does a USDA loan take to close?

Accepted Answer

Expect 35-50 days. USDA loans require a final review by the USDA Rural Development office, which adds time beyond a typical lender approval.

Question 5

Is USDA better than FHA for Taft buyers?

Accepted Answer

For buyers who qualify, USDA usually wins — no down payment and lower monthly insurance costs. FHA makes sense if income limits rule out USDA.

Question 6

Can oilfield workers qualify for a USDA loan?

Accepted Answer

Yes, but lenders require two years of documented income history. Seasonal or variable pay gets averaged — gaps or inconsistency can complicate approval.

USDA Loans in Taft, CA — Zero Down in Kern County