Question 1

Is St. Helena eligible for USDA loans?

Accepted Answer

Some addresses qualify, others don't. Run your specific property through the USDA eligibility map at usda.gov before assuming you're in a rural zone.

Question 2

What's the income limit for USDA in Napa County?

Accepted Answer

USDA sets limits by county and household size. Napa County limits are tighter than rural Central Valley counties — verify the current cap directly with your broker.

Question 3

Can I use a USDA loan to buy a winery property?

Accepted Answer

No. USDA is for primary residences only. Any income-producing or agricultural use disqualifies the property from USDA financing.

Question 4

How does USDA mortgage insurance compare to FHA?

Accepted Answer

USDA charges a lower annual fee than FHA. Over a 30-year loan, that gap adds up to real savings on your monthly payment.

Question 5

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

Accepted Answer

Plan for 45-60 days. USDA requires an extra government review step that conventional and FHA loans skip. Work with a lender experienced in USDA closings.

Question 6

Do USDA loans work for self-employed borrowers?

Accepted Answer

Yes, but income documentation is strict. USDA counts adjusted gross income for the limit — not gross revenue. Your tax returns have to tell the right story.

USDA Loans in St. Helena, CA — Zero Down in Wine Country