Question 1

Can I use USDA financing in downtown Long Beach?

Accepted Answer

No. Long Beach proper doesn't qualify—too dense. USDA works in northeastern LA County areas like Palmdale and Lancaster where population density drops below program limits.

Question 2

What's the income limit for USDA loans in Los Angeles County?

Accepted Answer

Limits vary by household size, currently around $110,000 for four people. Limits adjust annually based on county median income, so check current caps before application.

Question 3

How long does USDA loan processing take?

Accepted Answer

Expect 35-45 days from application to closing. USDA adds a government review step that FHA and conventional loans skip, which extends timeline versus other programs.

Question 4

Can I buy a condo with a USDA loan?

Accepted Answer

Rarely. USDA primarily finances single-family detached homes. Some attached townhomes qualify if they meet ownership and structural requirements, but traditional condos typically don't work.

Question 5

What credit score do I need for USDA financing?

Accepted Answer

640 gets you automated underwriting approval. Below that, manual underwriting is possible with strong compensating factors like low debt ratios or significant cash reserves.

USDA Loans in Long Beach: Zero Down Payment Options Beyond the City Core