Question 1

Is Roseville eligible for USDA loans?

Accepted Answer

Most of central Roseville is not in a USDA-eligible zone. Outer areas near unincorporated Placer County may qualify — always check the specific address.

Question 2

What credit score do I need for a USDA loan?

Accepted Answer

Most lenders require a 640 score for automated approval. Below that, manual underwriting is possible but rare.

Question 3

Do USDA loans have income limits in Placer County?

Accepted Answer

Yes. Limits are based on household size and county. Placer County limits are relatively generous but still exclude higher-income households.

Question 4

Can I use a USDA loan to buy an investment property?

Accepted Answer

No. USDA is strictly for primary residences. Investment properties and vacation homes are not eligible.

Question 5

How does USDA mortgage insurance compare to FHA?

Accepted Answer

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.

Question 6

How long does a USDA loan take to close?

Accepted Answer

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.

USDA Loans in Roseville, CA — Zero Down If You Qualify