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Agoura Hills sits at the edge of the Santa Monica Mountains. Parts of this city fall within USDA-eligible zones — but not all of it.
USDA eligibility is property-specific here. You need to run the address through the USDA map before getting excited about zero down.
0%
Down Payment
640 (most lenders)
Min Credit Score
Government-Backed
Loan Type
USDA county caps apply
Income Limit
30–45 days
Avg Close Time
USDA Loans in Agoura Hills
USDA loans require no down payment. You need a 640 credit score with most lenders, though some go lower with manual underwriting.
Income limits apply. USDA caps household income based on family size and county — exceeding it disqualifies you regardless of credit.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Agoura Hills.
Agoura Hills sits at the edge of the Santa Monica Mountains. Parts of this city fall within USDA-eligible zones — but not all of it.
USDA eligibility is property-specific here. You need to run the address through the USDA map before getting excited about zero down.
USDA loans require no down payment. You need a 640 credit score with most lenders, though some go lower with manual underwriting.
Most retail banks don't specialize in USDA. The program has quirks — guaranteed vs. direct loans, income calculations, eligible area checks — that trip up inexperienced loan officers.
A broker with access to multiple USDA-approved wholesale lenders can compare overlays. Some lenders are stricter than the program requires. Others move faster.
The biggest mistake I see: buyers assume the whole city qualifies. Run the specific property address on USDA's eligibility site first. Save yourself two weeks of paperwork.
USDA has two fees — an upfront guarantee fee and an annual fee. Both are lower than FHA's mortgage insurance. That spread matters over a 30-year loan.
FHA requires 3.5% down and carries heavier mortgage insurance. USDA beats it on monthly cost if the property qualifies and your income fits.
VA is still the top zero-down option if you've served. No funding fee waivers with USDA — but for non-veterans, it's the only true zero-down path here.
Agoura Hills is a suburban community in western LA County. Its semi-rural character near the 101 corridor is exactly why some parcels qualify for USDA.
Home prices in the area can stretch USDA loan limits. Confirm the purchase price works within USDA's guaranteed loan ceiling for LA County before you go far down the road.
Some parts qualify, some don't. You must check the exact property address on the USDA eligibility map — city name alone won't tell you.
Limits vary by household size and are set by USDA annually. Exceeding the limit disqualifies you even with strong credit.
USDA generally favors single-family homes. Condos face additional approval hurdles and are often ineligible.
USDA wins on monthly cost if you qualify — zero down and lower mortgage insurance than FHA. But FHA has no income cap.
Expect 30-45 days. USDA requires an extra review layer that adds time versus conventional loans.
No. Most lenders want a 640 score. Below that, manual underwriting is possible but fewer lenders will take it on.