Question 1

Does Greenfield actually qualify for USDA loans?

Accepted Answer

Yes. Greenfield is in a USDA-eligible area as of April 2026. Confirm the specific property address on the USDA eligibility map before applying.

Question 2

What is the income limit for USDA in Monterey County?

Accepted Answer

Limits are set by household size and county. Monterey County limits run higher than many rural counties. Check the current USDA income limit tool for your household size.

Question 3

Can I use USDA to buy a home with bad credit?

Accepted Answer

Most USDA lenders require a 640 score. Below that, manual underwriting is available but approval is tougher and fewer lenders participate.

Question 4

How long does a USDA loan take to close?

Accepted Answer

USDA loans run 30-45 days on average. Loans requiring USDA Rural Development office review can take longer — plan for that in your contract timeline.

Question 5

Can a farmworker qualify for a USDA loan in Greenfield?

Accepted Answer

Yes, but all household income counts toward the limit — not just the borrower's. Seasonal gaps in income also require documentation. A broker review before applying saves time.

Question 6

Is USDA better than FHA for Greenfield buyers?

Accepted Answer

USDA wins on down payment — zero versus 3.5%. If the property and income qualify, USDA is typically the stronger choice for buyers without savings.

USDA Loans in Greenfield, CA — Zero Down in Monterey County