Question 1

Can I use USDA loans in Industry CA?

Accepted Answer

Technically yes, but Industry has almost no USDA-eligible properties. The city is primarily industrial with minimal residential inventory that meets rural designation requirements.

Question 2

What credit score do I need for USDA loans?

Accepted Answer

640+ gets streamlined automated underwriting. Below 640 requires manual review but approval is still possible with strong payment history.

Question 3

Do USDA loans have income limits in Los Angeles County?

Accepted Answer

Yes, household income can't exceed 115% of area median income. LA County limits vary by household size and specific location.

Question 4

How long does USDA loan approval take?

Accepted Answer

Expect 30-45 days from application to closing. Government review adds processing time compared to conventional loans.

Question 5

What are USDA loan fees?

Accepted Answer

USDA charges 1% upfront guarantee fee and 0.35% annual premium. These costs are lower than FHA mortgage insurance.

Question 6

Are there better zero-down options than USDA in Industry?

Accepted Answer

VA loans work better for veterans with zero down and no location limits. Most other buyers need FHA or conventional with minimal down payment.

USDA Loans in Industry CA: Zero Down Payment Options for Eligible Buyers