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Rocklin sits in Placer County, where USDA eligibility maps matter as much as the purchase price. Some Rocklin addresses qualify — many don't.
USDA eligibility is set by census-based maps, not county lines. Always verify a specific property address before assuming it qualifies.
0%
Down Payment Required
640 (preferred)
Min Credit Score
0.35% of loan
Annual Fee
1% of loan amount
Upfront Guarantee Fee
30–45 days
Est. Close Time
USDA Loans in Rocklin
USDA loans require no down payment. But you must meet income limits based on household size — not just your own income.
Lenders typically want a 640 credit score for automated approval. Below that, expect manual underwriting and more documentation.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Rocklin.
Rocklin sits in Placer County, where USDA eligibility maps matter as much as the purchase price. Some Rocklin addresses qualify — many don't.
USDA eligibility is set by census-based maps, not county lines. Always verify a specific property address before assuming it qualifies.
USDA loans require no down payment. But you must meet income limits based on household size — not just your own income.
Not every lender offers USDA loans. Banks often don't. Wholesale lenders that specialize in government programs are your best path.
As a broker, we access 200+ wholesale lenders. We know which ones process USDA loans fast and which ones let files sit.
The biggest USDA mistake we see: buyers fall in love with a home, then find out the address isn't eligible. Check the map first.
USDA also has an upfront guarantee fee and annual fee. They're lower than FHA's mortgage insurance — but they exist. Factor them in.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. USDA is zero down with lower ongoing fees.
Conventional loans can drop PMI once you hit 20% equity. USDA annual fees stay until you refinance. Know the long-term math.
Rocklin's newer subdivisions near the urban core are typically outside USDA zones. Outer areas near unincorporated Placer County are worth checking.
Placer County is growing fast. USDA maps update periodically — areas that qualified before may get reclassified as population grows.
Use the USDA's online eligibility map and enter the exact property address. Don't guess based on zip code — check every address individually.
USDA income limits depend on household size and county. Placer County limits are higher than many rural counties due to area median income. Check USDA's site for current numbers.
Yes, USDA covers new construction in eligible areas. The property still must pass USDA appraisal and meet program condition requirements.
USDA charges a 1% upfront guarantee fee and a 0.35% annual fee. Both are lower than FHA's mortgage insurance costs. Rates vary by borrower profile and market conditions.
USDA loans add USDA approval on top of lender approval. Expect 30-45 days minimum. Lender selection matters — some process faster than others.
Condos must meet USDA property eligibility and be in an approved complex. Single-family homes are a smoother path in most Placer County transactions.