Question 1

Is Wasco eligible for USDA loans?

Accepted Answer

Wasco's rural character makes it a strong candidate. Eligibility is confirmed by USDA's property map — we check this for every deal.

Question 2

What credit score do I need for a USDA loan?

Accepted Answer

You need a 640 for automated approval. Below that, manual underwriting is possible but requires a stronger overall file.

Question 3

Does USDA have income limits in Kern County?

Accepted Answer

Yes. Limits are based on household size and county. Every person living in the home counts — not just who's on the loan.

Question 4

Can I use USDA to buy a fixer-upper in Wasco?

Accepted Answer

No. USDA requires the home to be move-in ready. Major repairs or habitability issues will kill the appraisal.

Question 5

How does USDA mortgage insurance compare to FHA?

Accepted Answer

USDA charges a 1% upfront guarantee fee and 0.35% annual fee. FHA's annual MIP runs 0.55% or higher — USDA is cheaper long-term.

Question 6

How long does a USDA loan take to close in Kern County?

Accepted Answer

Plan for 30-45 days minimum. Rural appraisals and USDA underwriting add time — don't lock a short rate without buffer.

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