Question 1

Does Alturas qualify for USDA loans?

Accepted Answer

Yes. Alturas falls within USDA-eligible rural territory as of April 2026. Always verify the specific property address on the USDA eligibility map.

Question 2

What income limit applies in Modoc County?

Accepted Answer

USDA sets income limits by county and household size. Modoc County uses rural-area benchmarks — check current limits with your lender before assuming you don't qualify.

Question 3

Is there a down payment required for USDA loans?

Accepted Answer

No. USDA Guaranteed loans require zero down payment. Closing costs may still apply, though some can be rolled into the loan or covered by seller concessions.

Question 4

What credit score do I need for a USDA loan?

Accepted Answer

Most lenders require a 640 minimum. Some lenders will go below that with manual underwriting, but options get limited fast below that threshold.

Question 5

How does USDA compare to FHA for Alturas buyers?

Accepted Answer

USDA wins on down payment — zero versus 3.5% for FHA. If your income is within limits and the property qualifies, USDA is usually the stronger choice.

Question 6

Can I buy a manufactured home with a USDA loan in Alturas?

Accepted Answer

Some manufactured homes qualify, but the property must meet USDA condition standards and be permanently affixed to a foundation. Not all lenders approve these.

USDA Loans in Alturas, CA — Zero Down in Rural Modoc County