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Tiburon sits on a Marin County peninsula with bay views and some of the highest home prices in California. USDA loans are built for rural and suburban areas — Tiburon does not fit that profile.
As of April 2026, Tiburon is not designated as a USDA-eligible area. That means zero-down USDA financing is not available for homes purchased here.
No
USDA Eligible in Tiburon
620+
Min Credit Score (USDA)
0% (if eligible)
Down Payment Required
VA, FHA, Conventional
Alternatives Available
USDA Loans in Tiburon
USDA loans require the property to be in a USDA-designated eligible area. No matter your income or credit score, location alone disqualifies most Tiburon addresses.
USDA also sets income limits. In high-cost counties like Marin, those limits are higher than average — but the property eligibility issue is the hard stop here.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Tiburon.
Tiburon sits on a Marin County peninsula with bay views and some of the highest home prices in California. USDA loans are built for rural and suburban areas — Tiburon does not fit that profile.
As of April 2026, Tiburon is not designated as a USDA-eligible area. That means zero-down USDA financing is not available for homes purchased here.
USDA loans require the property to be in a USDA-designated eligible area. No matter your income or credit score, location alone disqualifies most Tiburon addresses.
Most lenders in the Tiburon area won't quote USDA loans — because there's nothing to quote. The property eligibility check kills the deal before underwriting begins.
We work with 200+ wholesale lenders at SRK CAPITAL. Not one of them will approve a USDA loan for a Tiburon property. That's not a lender gap — it's a program rule.
I see buyers come in hoping USDA works for them in Marin. It almost never does. Tiburon is especially far from qualifying — the location and price tier both push it out.
If zero down is your goal, VA is the strongest option if you have service history. FHA gets you in at 3.5% down. Conventional with down payment assistance programs can also close the gap.
USDA's main draw is zero down payment and low mortgage insurance costs. FHA and VA both offer low or no down payment — and both work in Tiburon.
Conventional loans here often make more sense for higher-income buyers. Jumbo conventional rates are competitive, and you skip government loan overlays entirely.
Tiburon's median home prices are well above what USDA programs are designed to support. The program targets underserved areas — not one of Marin's most sought-after waterfront towns.
Buyers in Tiburon typically need jumbo financing or strong conventional programs. That's where SRK CAPITAL focuses its energy for this market.
No. Tiburon is not in a USDA-designated eligible area. Property location is a hard requirement — credit and income don't override it.
Some rural edges of Marin County may qualify. Tiburon specifically does not — check the USDA property eligibility map for exact boundaries.
VA loans are the strongest zero-down option for eligible veterans and service members. No other zero-down program fits Tiburon's price range.
Marin County income limits are higher than most California counties due to area median income. But income limits don't matter if the property isn't eligible.
Depending on your situation, VA, FHA, conventional, or jumbo loans are the realistic paths. We shop across 200+ lenders to find the right fit.