Question 1

Does Hanford actually qualify for USDA loans?

Accepted Answer

Much of Hanford and Kings County qualifies. Always check the specific property address on the USDA eligibility map before proceeding.

Question 2

What income limit applies in Kings County?

Accepted Answer

USDA sets limits by household size and county. Kings County limits are often higher than buyers expect — confirm current figures with us.

Question 3

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

Accepted Answer

The property must meet USDA condition standards. Major repairs or safety issues can disqualify a home — the home must be move-in ready.

Question 4

How long does USDA approval take?

Accepted Answer

Add 2-3 weeks over a conventional loan. Files go through the lender and then USDA's Rural Development office for final sign-off.

Question 5

Is USDA better than FHA for Hanford buyers?

Accepted Answer

Usually yes, if you qualify. Zero down and lower monthly fees beat FHA's 3.5% down and lifetime mortgage insurance for most buyers here.

Question 6

What credit score do I need for a USDA loan?

Accepted Answer

640 is the standard for automated approval. Below that, manual underwriting is possible but adds time and stricter scrutiny to your file.

USDA Loans in Hanford, CA — Zero Down in Kings County