Question 1

Does downtown Fairfax qualify for USDA loans?

Accepted Answer

Most downtown properties don't qualify due to population density. West Fairfax near open space preserves shows better eligibility. We verify each address against current maps.

Question 2

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

Accepted Answer

Limits change annually based on area median income. Current caps restrict many middle-income earners. We calculate your specific eligibility before you search properties.

Question 3

Why do USDA loans take longer to close than conventional?

Accepted Answer

USDA reviews and approves each property individually. This adds 15-30 days to standard timelines. Plan for 45-60 days total from acceptance to closing.

Question 4

Can I use a USDA loan on a fixer-upper in Fairfax?

Accepted Answer

The property must meet USDA appraisal standards at purchase. Major repairs or safety issues cause denials. Minor cosmetic work is fine after closing.

Question 5

How does USDA compare to FHA for Marin County buyers?

Accepted Answer

USDA offers zero down and lower monthly fees. FHA requires 3.5% down but has no location restrictions. USDA only works in designated rural zones.

Question 6

Do sellers in Fairfax accept USDA loan offers?

Accepted Answer

Some sellers hesitate due to longer timelines and added complexity. Strong pre-approval and flexible closing dates improve acceptance. Multiple-offer situations favor conventional buyers.

USDA Loans in Fairfax: Zero Down in Marin County's Rural Gem