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in West Hollywood, CA
West Hollywood sits in one of LA County's most urban cores. That geography eliminates USDA eligibility for nearly every property here.
FHA remains the dominant low-down-payment option in this market. USDA requires rural or suburban designation, which West Hollywood lacks entirely.
FHA loans require 3.5% down with credit scores as low as 580. You pay upfront and monthly mortgage insurance, but approval thresholds stay flexible.
The program works anywhere in West Hollywood. No income caps restrict borrowers, and debt-to-income tolerance runs higher than conventional.
USDA loans offer zero down payment for eligible rural and suburban areas. Borrowers must fall under income limits set at 115% of area median.
The catch: West Hollywood fails USDA's property eligibility test. Dense urban areas like this never qualify for the program's geographic requirements.
Down payment splits them: FHA needs 3.5%, USDA needs nothing. But that advantage disappears when the property sits outside USDA's approved zones.
Income caps create another divide. USDA restricts high earners; FHA approves anyone who qualifies on debt ratios. West Hollywood's location makes FHA the only real option.
If you're buying in West Hollywood, FHA is your government-backed choice. USDA doesn't cover urban cores, and this city sits too central for program eligibility.
Look at USDA only if you expand your search to outer LA County suburbs. For properties within West Hollywood limits, FHA delivers the lowest down payment you'll find.
No. USDA requires rural or suburban property designation. West Hollywood's urban core disqualifies every address from program eligibility.
Depends on location. USDA eliminates down payment but restricts geography. FHA works everywhere with higher upfront cost but broader access.
USDA caps income at 115% of area median. FHA has no income ceiling, approving borrowers based solely on debt-to-income ratios.
FHA accepts 580 minimum for 3.5% down. USDA typically requires 640+ though some lenders go lower with compensating factors.
FHA yes, if the complex holds FHA approval. USDA no, because West Hollywood falls outside eligible zones regardless of property type.