Question 1

Is King City eligible for USDA loans?

Accepted Answer

As of April 2026, King City falls within USDA rural-eligible boundaries. Always confirm the specific property address before making an offer.

Question 2

What income limit applies in Monterey County?

Accepted Answer

USDA sets limits by county and household size. Check the USDA eligibility portal for current Monterey County figures — they update annually.

Question 3

Do I need a down payment for USDA?

Accepted Answer

No. USDA is a zero down program. You may still need funds for closing costs unless the seller agrees to cover them.

Question 4

How does USDA compare to FHA in King City?

Accepted Answer

USDA has no down payment and lower monthly fees than FHA. The trade-off is stricter income limits and property location requirements.

Question 5

Can self-employed borrowers use USDA in King City?

Accepted Answer

Yes, but income documentation is strict. Expect two years of tax returns and a thorough review of your adjusted gross income.

Question 6

How long does a USDA loan take to close?

Accepted Answer

USDA loans typically take 30-45 days. Files requiring manual underwriting or USDA conditional commitment can run longer.

USDA Loans in King City, CA — Zero Down in Monterey County