Question 1

Does Mariposa qualify for USDA loans?

Accepted Answer

Yes. Most of Mariposa County meets USDA rural eligibility requirements. Confirm the specific property address on the USDA eligibility map before applying.

Question 2

What are the income limits for Mariposa County?

Accepted Answer

Limits vary by household size. Mariposa County limits are set by USDA for rural California areas — check the current tables or ask us directly.

Question 3

Can I buy land with a USDA loan?

Accepted Answer

No. USDA loans are for homes, not raw land. The property must have a dwelling and be used as your primary residence.

Question 4

How long does a USDA loan take to close?

Accepted Answer

Plan for 45–60 days. USDA loans require a secondary review by the USDA Rural Development office, which adds time.

Question 5

Is the guarantee fee the same as mortgage insurance?

Accepted Answer

It functions similarly but costs less than FHA's MIP. The 0.35% annual fee is lower than FHA's 0.55% for most loan terms.

Question 6

Can sellers pay closing costs on a USDA loan?

Accepted Answer

Yes. Sellers can contribute toward closing costs. This is worth negotiating, especially in a slower Mariposa market.

USDA Loans in Mariposa, CA — Zero Down in Rural Gold Country