Question 1

Does Napa city qualify for USDA loans?

Accepted Answer

Most of central Napa city does not meet USDA rural eligibility. Rural areas on the county's outskirts have better odds.

Question 2

What credit score do I need for a USDA loan?

Accepted Answer

Most USDA lenders want a 640 score minimum. Some go lower with strong income or low debt ratios.

Question 3

Is there a USDA income limit in Napa County?

Accepted Answer

Yes. USDA caps household income based on county and family size. Napa County limits are higher than many rural counties but still apply.

Question 4

How does USDA mortgage insurance compare to FHA?

Accepted Answer

USDA charges an upfront guarantee fee and an annual fee. Both are typically lower than FHA's upfront and monthly mortgage insurance.

Question 5

How long does a USDA loan take to close?

Accepted Answer

USDA loans take longer than conventional — often 30 to 45 days or more. USDA itself must approve the file after your lender does.

Question 6

Can I use a USDA loan to buy a winery or farm in Napa?

Accepted Answer

No. USDA guaranteed loans are for residential properties. Agricultural or income-producing land does not qualify under this program.

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