Question 1

Is Huntington Beach eligible for USDA loans?

Accepted Answer

Most of Huntington Beach does not qualify. USDA eligibility requires rural or low-density designation, which most of HB doesn't meet.

Question 2

What credit score do I need for a USDA loan?

Accepted Answer

Most lenders want a 640 credit score for automated underwriting. Below that, you may need manual review with stronger compensating factors.

Question 3

Does USDA require a down payment?

Accepted Answer

No. USDA is a zero-down loan program. It's one of the few government-backed options with no down payment requirement at all.

Question 4

What are the income limits for USDA loans in Orange County?

Accepted Answer

Income limits vary by household size and county. Orange County limits tend to be higher than national averages due to area median income levels.

Question 5

What loan programs work in Huntington Beach if USDA doesn't?

Accepted Answer

FHA, VA, and Conventional loans all work in Huntington Beach. VA is the only other zero-down option, but it's limited to eligible veterans.

Question 6

How long does a USDA loan take to close?

Accepted Answer

USDA loans typically take longer than FHA or conventional. Budget 45-60 days minimum, since loans need USDA's own approval on top of the lender's.

USDA Loans in Huntington Beach: What You Need to Know