Question 1

Does Ukiah actually qualify for USDA loans?

Accepted Answer

Much of the Ukiah area qualifies, but not every address. Always run the specific property through the USDA eligibility map before making an offer.

Question 2

What income limit applies in Mendocino County?

Accepted Answer

Limits vary by household size. They're higher than most buyers expect — check the USDA site or ask us to run your numbers.

Question 3

Is there really no down payment with USDA?

Accepted Answer

Correct — USDA is a true zero-down program. You may still need cash for closing costs unless the seller covers them.

Question 4

How does USDA mortgage insurance work?

Accepted Answer

USDA charges an upfront guarantee fee and a small annual fee. Both are typically lower than FHA mortgage insurance costs.

Question 5

Can I use USDA to buy a fixer-upper in Ukiah?

Accepted Answer

The home must be in decent condition — USDA has property standards. Major repairs or distressed homes often don't pass the appraisal.

Question 6

How long does a USDA loan take to close?

Accepted Answer

USDA files can take 30–45 days. Some loans require a state office review, which adds time. Plan accordingly when writing offers.

USDA Loans in Ukiah, CA — Zero Down in Wine Country