Question 1

Is Calistoga eligible for USDA loans?

Accepted Answer

Many areas in and around Calistoga qualify. Eligibility is property-specific, so verify your address on the USDA map before anything else.

Question 2

What are the income limits for Napa County USDA loans?

Accepted Answer

Limits vary by household size and are set by USDA annually. Napa County limits tend to be higher than most rural counties in California.

Question 3

Do I need a down payment for a USDA loan?

Accepted Answer

No. USDA is a true zero-down program. You may still need to cover closing costs unless the seller agrees to contribute.

Question 4

How does USDA mortgage insurance work?

Accepted Answer

USDA charges a 1% upfront guarantee fee and a 0.35% annual fee. Both are lower than FHA mortgage insurance premiums.

Question 5

Can I use a USDA loan to buy a wine country vacation home?

Accepted Answer

No. USDA requires the property to be your primary residence. Investment and vacation properties don't qualify.

Question 6

How long does a USDA loan take to close in Calistoga?

Accepted Answer

Expect 30-45 days. USDA loans require a lender approval plus a USDA conditional commitment, which adds time.

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