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Alhambra sits in the heart of Los Angeles County. That location is the first problem with USDA loans here.
USDA loans require the property to be in an eligible rural or suburban zone. Dense urban cities like Alhambra almost never qualify.
USDA Loans in Alhambra
USDA loans offer zero down payment. But eligibility depends on two things: the property location and the borrower's income.
Income limits apply based on household size and county. Even if you qualify on income, the property address must pass USDA's geographic check.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Alhambra.
Alhambra sits in the heart of Los Angeles County. That location is the first problem with USDA loans here.
USDA loans require the property to be in an eligible rural or suburban zone. Dense urban cities like Alhambra almost never qualify.
USDA loans offer zero down payment. But eligibility depends on two things: the property location and the borrower's income.
Most lenders in LA County rarely process USDA loans. Volume is too low in urban markets to keep those programs sharp.
At SRK CAPITAL, we work with 200+ wholesale lenders. If a USDA-eligible property exists nearby, we know who to call.
I see buyers come in convinced their Alhambra address qualifies for USDA. It doesn't. The USDA eligibility map cuts them off.
If zero down is your goal in this market, FHA or a down payment assistance program is a far more practical path.
FHA loans require 3.5% down with a 580 credit score. That's not zero, but it's achievable — and FHA works anywhere in Alhambra.
Conventional loans with down payment assistance can also close the gap. Community Mortgage programs sometimes serve buyers in LA County too.
Alhambra is a dense, urban city in central LA County. USDA's rural designation simply doesn't apply here.
Buyers focused on minimizing upfront costs should look at CalHFA programs or ask us about lender-specific down payment assistance in LA County.
No. Alhambra is not in a USDA-eligible area. The program requires rural or suburban locations that this city does not meet.
VA loans are zero down if you're a veteran. Otherwise, FHA with down payment assistance is the most common path here.
Yes, USDA sets income limits by household size and county. But the location eligibility issue rules out Alhambra before income matters.
Possibly. Some outer edges of LA County may qualify. We can check the USDA eligibility map for nearby addresses.
Most USDA lenders want a 640 credit score minimum. Rates vary by borrower profile and market conditions.
USDA requires zero down and has location restrictions. FHA requires 3.5% down but works in any city, including Alhambra.