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Corte Madera sits in Marin County — one of the most expensive counties in California. USDA loans are built for rural and lower-cost suburban areas.
Most of Marin County does not qualify for USDA eligibility. Corte Madera is almost certainly outside the USDA's approved geographic zones.
0%
Down Payment
640 typical
Min Credit Score
County cap applies
Income Limit
Rural zones only
Property Eligibility
USDA Loans in Corte Madera
USDA loans require the property to be in an eligible rural zone. The borrower must also earn below the USDA's area income cap.
Marin County household income limits are set low relative to local wages. Most Corte Madera buyers will exceed them.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Corte Madera.
Corte Madera sits in Marin County — one of the most expensive counties in California. USDA loans are built for rural and lower-cost suburban areas.
Most of Marin County does not qualify for USDA eligibility. Corte Madera is almost certainly outside the USDA's approved geographic zones.
USDA loans require the property to be in an eligible rural zone. The borrower must also earn below the USDA's area income cap.
Few lenders actively originate USDA loans in high-cost coastal California. Volume is low because eligible properties are rare here.
A broker with access to 200+ wholesale lenders can quickly confirm eligibility. That saves you weeks of chasing dead ends.
Every week someone comes to us wanting a USDA loan in a city like Corte Madera. The first thing we do is run the address on the USDA eligibility map.
If it doesn't pass the geographic check, there's nothing to discuss. We pivot fast — FHA or a Community Mortgage often fits the same borrower.
FHA loans require 3.5% down but work in any California city. No geographic restrictions. No rural zoning required.
For buyers with military service, VA loans offer zero down with no income cap. Community Mortgage programs in Marin may also fill gaps.
Corte Madera is a developed town with retail, transit, and dense residential areas. That profile is the opposite of what USDA targets.
If you're set on Marin, focus energy on programs that actually work here. We match borrowers to real options — not wishful loan types.
Almost certainly not. Corte Madera is a dense suburban city in Marin County. USDA eligibility requires a rural or low-density zone designation.
USDA sets income limits by county and household size. Marin limits are strict relative to local wages — most Corte Madera households will exceed them.
VA loans offer zero down for eligible veterans anywhere in California. That's usually the strongest zero-down option for Marin buyers.
The USDA publishes an online eligibility map. Run your exact address — zone boundaries can shift, so always verify before applying.
FHA loans work statewide with 3.5% down. Community Mortgage programs in Marin County may also offer low down payment options worth reviewing.