Question 1

Is St. Helena eligible for USDA loans?

Accepted Answer

Parts of Napa County qualify, but eligibility is address-specific. Confirm the exact property on the USDA eligibility map before moving forward.

Question 2

What credit score does USDA require?

Accepted Answer

Most USDA lenders want a 640 minimum. FHA allows 580 with 3.5% down, making it more flexible on credit.

Question 3

Do both loans require mortgage insurance?

Accepted Answer

Yes. FHA charges an upfront MIP plus a monthly premium. USDA has a guarantee fee and a smaller annual fee — typically lower overall.

Question 4

Can I use USDA for a wine country investment property?

Accepted Answer

No. USDA is strictly for primary residences. FHA also requires owner-occupancy — neither works for investment purchases.

Question 5

Which loan has higher limits in Napa County?

Accepted Answer

FHA loan limits are set by county and tend to be higher in high-cost areas like Napa. USDA has no formal loan limit but caps you by income and debt ratios.

FHA vs USDA Loans in St. Helena, CA