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USDA loans offer zero down payment for eligible buyers. But eligibility depends heavily on location — and Roseville is tricky.
Most of central Roseville falls outside USDA-eligible zones. Outer edges near unincorporated Placer County may qualify. Always verify the address before building a plan around this loan.
0%
Down Payment
640
Min Credit Score
1.00%
Upfront Guarantee Fee
0.35%
Annual Fee
30–45 Days
Est. Close Time
USDA Loans in Roseville
USDA requires household income to stay under area limits. In Placer County, those limits are higher than many California rural counties — but they still cut off higher earners.
You need a 640 credit score for automated approval. Below that, lenders can manually underwrite — but few do. The property must also be your primary residence.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Roseville.
USDA loans offer zero down payment for eligible buyers. But eligibility depends heavily on location — and Roseville is tricky.
Most of central Roseville falls outside USDA-eligible zones. Outer edges near unincorporated Placer County may qualify. Always verify the address before building a plan around this loan.
USDA requires household income to stay under area limits. In Placer County, those limits are higher than many California rural counties — but they still cut off higher earners.
Most retail banks don't specialize in USDA. They take them when they come in — but they're not shopping programs or pushing approvals through edge cases.
As a broker with 200+ wholesale lenders, we know which ones actively process USDA files. Turnaround times and overlays vary significantly by lender. That matters on a purchase contract.
The biggest USDA mistake I see: buyers fall in love with a home before checking the address eligibility. The USDA eligibility map is the first thing to run — not an afterthought.
If you're borderline on income, household size matters. A family of four gets a higher limit than a couple. Document every dependent. It can be the difference between qualifying and not.
USDA beats FHA on down payment — zero versus 3.5%. But FHA has no geographic restriction. If the home doesn't hit an eligible zone, USDA is off the table entirely.
VA loans also offer zero down and have no location limit — but require military service. For non-veterans without military background, USDA is the only zero-down government option available.
Roseville is a built-out suburban city. That works against USDA eligibility. The program targets less-developed areas — and most of Roseville's core doesn't fit that profile.
If you're open to nearby areas — parts of Lincoln, Loomis, or unincorporated Placer County — your chances improve. Those addresses are worth running before ruling USDA out completely.
Most of central Roseville is not in a USDA-eligible zone. Outer areas near unincorporated Placer County may qualify — always check the specific address.
Most lenders require a 640 score for automated approval. Below that, manual underwriting is possible but rare.
Yes. Limits are based on household size and county. Placer County limits are relatively generous but still exclude higher-income households.
No. USDA is strictly for primary residences. Investment properties and vacation homes are not eligible.
USDA charges a 1% upfront guarantee fee and 0.35% annual fee. FHA's annual MIP is typically higher, making USDA cheaper long-term when eligible.
USDA loans require a review by the USDA Rural Development office. That adds time — expect 30 to 45 days minimum depending on the lender and workload.