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Lemoore sits in Kings County — well within USDA-eligible territory. That means qualified buyers can purchase with zero down payment.
Rural designation matters here. Most of Lemoore qualifies, but always confirm the specific address on the USDA eligibility map before you get too far into the deal.
0%
Down Payment
640 (automated)
Min Credit Score
Kings County caps apply
Income Limit
30-45 days
Est. Close Time
Vary by profile
Rates
USDA Loans in Lemoore
USDA has two hard requirements: the property must be in an eligible area, and your household income must fall under the limit for Kings County.
Most lenders want a 640 credit score for automated approval. Below that, you're looking at manual underwriting — slower and stricter. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Lemoore.
Lemoore sits in Kings County — well within USDA-eligible territory. That means qualified buyers can purchase with zero down payment.
Rural designation matters here. Most of Lemoore qualifies, but always confirm the specific address on the USDA eligibility map before you get too far into the deal.
USDA has two hard requirements: the property must be in an eligible area, and your household income must fall under the limit for Kings County.
Not every lender does USDA. Some banks don't bother with the program because volume is low. A broker with wholesale access gives you more options.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the ones actively approving USDA deals in Kings County — not just the ones who technically offer it.
USDA has an upfront guarantee fee and an annual fee — think of them like FHA's mortgage insurance. They're baked into the loan, not paid at closing.
The annual fee runs for the life of the loan. Factor that into your monthly payment comparison against FHA or conventional options.
FHA needs 3.5% down. VA is zero down but requires military service. USDA is the only zero-down path for civilian buyers in eligible areas like Lemoore.
Conventional loans with 3% down exist, but you'll pay PMI (private mortgage insurance) until you hit 20% equity. USDA's fees often beat that total cost equation.
Lemoore is home to NAS Lemoore — a large Navy base. Many buyers here have VA eligibility. If you do, run both VA and USDA numbers before committing.
Kings County's income limits for USDA are set below coastal California levels. Verify your household qualifies before building your whole strategy around this program.
Most of Lemoore falls within USDA-eligible boundaries. Confirm the exact property address on the USDA eligibility map.
USDA income limits are set by county and household size. Kings County limits run lower than coastal CA — check the current USDA table for your household.
Yes, but active duty also qualifies for VA loans. VA often has lower fees — compare both before deciding.
USDA loans add a rural development approval step. Budget 30-45 days minimum. Some lenders take longer if volume is high.
Correct — zero down on the purchase price. You still need closing costs, though some sellers will cover those in negotiation.
Most lenders want 640 for automated approval. Below that, manual underwriting kicks in — stricter documentation and longer timelines.