Question 1

Does Susanville qualify for USDA loans?

Accepted Answer

Yes. Susanville and most of Lassen County meet USDA rural eligibility criteria. Verify the specific property address on the USDA eligibility map.

Question 2

What income limits apply in Lassen County?

Accepted Answer

USDA income limits depend on household size and county. Check the USDA income eligibility tool for current Lassen County figures.

Question 3

Can I finance closing costs with a USDA loan?

Accepted Answer

Yes, if the home appraises above the purchase price. The difference can cover closing costs. Seller concessions are also allowed.

Question 4

How long does USDA loan approval take?

Accepted Answer

USDA loans require a second review by the USDA Rural Development office. Budget 30-45 days minimum — sometimes longer.

Question 5

Is USDA better than FHA in Susanville?

Accepted Answer

Usually yes, if you qualify. Zero down and lower annual fees make USDA the cheaper option for eligible rural buyers.

USDA Loans in Susanville, CA — Zero Down in Rural Lassen County