Question 1

Is Beaumont considered rural for USDA purposes?

Accepted Answer

Parts of Beaumont qualify. You must verify the specific address on the USDA eligibility map before relying on it.

Question 2

What is the income limit for USDA loans in Riverside County?

Accepted Answer

USDA sets limits by county and household size. Contact SRK CAPITAL to check the current cap for your household.

Question 3

Can I use USDA to buy a new construction home?

Accepted Answer

Yes, USDA loans work on new construction. The home must meet USDA property standards and be in an eligible area.

Question 4

How long does a USDA loan take to close?

Accepted Answer

USDA adds a government review step that can add 1-2 weeks. Plan for 45-60 days total on a clean file.

Question 5

Do I need to be a first-time buyer for a USDA loan?

Accepted Answer

No. USDA has no first-time buyer requirement. You just can't own another adequate home at the time of purchase.

Question 6

Can the USDA guarantee fee be rolled into the loan?

Accepted Answer

Yes. The 1% upfront fee can be financed into the loan amount so you don't need cash at closing to cover it.

USDA Loans in Beaumont, CA — Zero Down in Riverside County