Loading
Loading
Beaumont sits in the Pass Area of Riverside County — and parts of it qualify for USDA financing. That means zero down for buyers who meet the income limits.
Not every address in Beaumont is USDA-eligible. You need to verify the property address before you get attached to a specific home.
0%
Down Payment
640
Min Credit Score
1% of loan
Upfront Fee
0.35% of loan
Annual Fee
45-60 days
Est. Close Time
USDA Loans in Beaumont
USDA loans require a 640 credit score for automated underwriting approval. Below that, you're looking at manual underwriting — slower and harder to get through.
Household income must stay under the USDA limit for Riverside County. That cap covers everyone in the household, not just borrowers on the loan.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Beaumont.
Beaumont sits in the Pass Area of Riverside County — and parts of it qualify for USDA financing. That means zero down for buyers who meet the income limits.
Not every address in Beaumont is USDA-eligible. You need to verify the property address before you get attached to a specific home.
USDA loans require a 640 credit score for automated underwriting approval. Below that, you're looking at manual underwriting — slower and harder to get through.
Most retail banks don't prioritize USDA loans. The process is slower and requires USDA conditional commitment before closing.
At SRK CAPITAL, we work with wholesale lenders who close USDA loans regularly. That experience matters — USDA files have unique underwriting requirements most lenders fumble.
USDA has two fees: an upfront guarantee fee and an annual fee. Both are lower than FHA's mortgage insurance. That saves you real money over the life of the loan.
The annual fee is built into your monthly payment. It doesn't drop off automatically like PMI on conventional loans — but refinancing later can remove it.
FHA requires 3.5% down and carries higher mortgage insurance. USDA beats it on monthly cost if you qualify on location and income.
VA is still the best deal if you've served — no down payment and no monthly insurance at all. USDA is the next best option for buyers who don't have VA eligibility.
Beaumont has grown fast. New developments on the outer edges of the city may still hold USDA eligibility — but that can change as the census boundary updates.
As of April 2026, buyers should confirm USDA eligibility at the address level before writing an offer. Eligibility maps update periodically and can disqualify areas without much notice.
Parts of Beaumont qualify. You must verify the specific address on the USDA eligibility map before relying on it.
USDA sets limits by county and household size. Contact SRK CAPITAL to check the current cap for your household.
Yes, USDA loans work on new construction. The home must meet USDA property standards and be in an eligible area.
USDA adds a government review step that can add 1-2 weeks. Plan for 45-60 days total on a clean file.
No. USDA has no first-time buyer requirement. You just can't own another adequate home at the time of purchase.
Yes. The 1% upfront fee can be financed into the loan amount so you don't need cash at closing to cover it.