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Maywood sits entirely within USDA-ineligible zones. The program excludes densely populated urban areas, and this city falls well outside eligible boundaries.
Most Los Angeles County cities face the same limitation. USDA maps draw hard lines around metro cores, blocking zero-down access for urban buyers.
USDA Loans in Maywood
USDA requires properties in eligible rural or suburban zones. Income limits apply, typically 115% of area median income for the county.
Credit minimums start at 640 for automated approval. Lower scores require manual underwriting, which adds time and stricter debt ratio reviews.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Maywood.
Maywood sits entirely within USDA-ineligible zones. The program excludes densely populated urban areas, and this city falls well outside eligible boundaries.
Most Los Angeles County cities face the same limitation. USDA maps draw hard lines around metro cores, blocking zero-down access for urban buyers.
USDA requires properties in eligible rural or suburban zones. Income limits apply, typically 115% of area median income for the county.
Few lenders process USDA loans because processing takes longer than conventional or FHA. Closing timelines run 45-60 days minimum.
Brokers access more USDA-approved lenders than retail banks. We shop terms across wholesale channels that specialize in government programs.
Buyers targeting Maywood should skip USDA research and focus on FHA 3.5% down or Community Mortgage programs. Both work in this market.
If zero down matters, VA loans beat USDA even in eligible areas. No income caps, no rural restrictions, better appraisal flexibility.
FHA loans close faster and work anywhere in Maywood. The 3.5% down payment costs less than most security deposits in this market.
VA borrowers get zero down without USDA's rural requirement or income caps. Funding fees apply unless you qualify for exemptions.
Los Angeles County's median income pushes many households above USDA limits even in eligible zones. The program serves lower-income rural buyers, not metro earners.
Nearby cities like Palmdale or Lancaster may have USDA-eligible pockets. Check eligibility maps before assuming zero-down access anywhere in the county.
No. Maywood falls outside USDA-eligible zones due to urban density. FHA or VA loans offer better alternatives here.
FHA requires 3.5% down with 580 credit. VA-eligible buyers get zero down. Conventional starts at 3% for first-time buyers.
Some outer areas like Palmdale or Lancaster have eligible zones. Check the USDA eligibility map for current boundaries.
USDA loans typically close in 45-60 days. FHA closes in 30-45 days with less paperwork and broader lender availability.
USDA caps income at 115% of area median, adjusted by household size. Los Angeles County's high incomes disqualify many buyers.