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Beverly Hills doesn't qualify for USDA financing. The program targets rural areas with populations under 35,000.
Every ZIP code in Beverly Hills falls outside USDA eligibility zones. The city's density and income levels disqualify it.
If you're set on zero down in Beverly Hills, VA loans work for veterans. FHA requires just 3.5% down for everyone else.
Most Beverly Hills buyers use conventional or jumbo financing. The high property values here exceed USDA loan limits anyway.
USDA Loans in Beverly Hills
USDA loans require properties in designated rural zones. Beverly Hills doesn't meet that threshold by any measure.
The program also caps income at 115% of area median. Beverly Hills household incomes far exceed USDA maximums.
Even if location worked, most Beverly Hills homes cost more than the USDA loan limit. The program tops out at $832,750 in high-cost areas.
You need 640 credit minimum for USDA approval. Strong credit matters less when the property location disqualifies you outright.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Beverly Hills.
Beverly Hills doesn't qualify for USDA financing. The program targets rural areas with populations under 35,000.
Every ZIP code in Beverly Hills falls outside USDA eligibility zones. The city's density and income levels disqualify it.
If you're set on zero down in Beverly Hills, VA loans work for veterans. FHA requires just 3.5% down for everyone else.
No lender can approve a USDA loan in Beverly Hills. Eligibility comes from USDA zone maps, not lender flexibility.
We work with 200+ wholesale lenders across every program type. None can override USDA's geographic restrictions.
Some borrowers think portfolio lenders can bend USDA rules. They can't—the USDA guarantee depends on location compliance.
Your best move is exploring programs that actually work here. FHA, VA, and conventional loans all close in Beverly Hills daily.
I see borrowers chase USDA loans in ineligible cities every month. It wastes weeks before they pivot to workable options.
Check USDA eligibility before falling in love with the zero down feature. Most Los Angeles County cities don't qualify.
If low down payment matters most, compare FHA at 3.5% down versus conventional at 3% down. Both work in Beverly Hills.
Veterans should always check VA eligibility first. That's true zero down with better rates than USDA in most cases.
FHA loans require 3.5% down but work anywhere in Beverly Hills. No location restrictions apply.
Conventional loans hit 3% down for first-time buyers. You avoid the upfront funding fee USDA charges.
VA loans offer true zero down for veterans with no income limits. That beats USDA on every metric in this market.
Jumbo loans dominate Beverly Hills for good reason. Most properties here exceed conforming loan limits anyway.
Beverly Hills sits in the heart of urban Los Angeles County. USDA targets communities outside metropolitan statistical areas.
The city's population density alone disqualifies it. USDA needs areas with fewer than 35,000 people and rural character.
You'd need to drive 60+ miles from Beverly Hills to find USDA-eligible zones. At that point, your commute kills any savings.
Nearby cities like Culver City, West Hollywood, and Santa Monica are also ineligible. The entire Westside fails USDA's rural test.
No. Every ZIP code in Beverly Hills falls outside USDA-designated rural zones. The program excludes all urban Los Angeles County areas.
You'd need to go 60+ miles into Ventura or San Bernardino counties. At that distance, commute costs erase any loan benefits.
Location disqualifies you first, but yes—Beverly Hills incomes typically exceed USDA's 115% area median cap anyway.
VA if you're a veteran. FHA at 3.5% down or conventional at 3% down work for everyone else buying here.
No broker or lender can override USDA zone maps. Eligibility comes from the property address, not the lender relationship.