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Coachella sits in a USDA-eligible zone. That means qualified buyers can purchase with zero down payment.
Most buyers don't know this option exists here. It's one of the most underused loan programs in the Coachella Valley.
0%
Down Payment
640
Min Credit Score
1% of loan
Upfront Guarantee Fee
0.35% of balance
Annual Fee
Primary residence only
Property Use
45–60 days
Typical Close Time
USDA Loans in Coachella
USDA loans have two hard requirements: location eligibility and income limits. Coachella clears the first one.
Income limits are set by household size and county. You can't earn too much — this program targets low-to-moderate income buyers.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Coachella.
Coachella sits in a USDA-eligible zone. That means qualified buyers can purchase with zero down payment.
Most buyers don't know this option exists here. It's one of the most underused loan programs in the Coachella Valley.
USDA loans have two hard requirements: location eligibility and income limits. Coachella clears the first one.
Most big retail banks don't push USDA loans. They're more complex to process and lenders make less on them.
Wholesale lenders are a different story. Several we work with specialize in USDA and move these files efficiently.
The USDA guarantee fee works like FHA mortgage insurance. There's an upfront fee and an annual fee baked into your payment.
Even with those fees, the math often beats FHA. No down payment requirement is the difference-maker for buyers short on cash.
FHA requires 3.5% down. On a $350,000 home, that's $12,250 out of pocket before closing costs.
USDA requires zero. For buyers who qualify on income and location, that gap is significant.
Coachella's designation as a USDA-eligible area can shift if the census reclassifies it. Check eligibility before you fall in love with a property.
Agricultural workers, service industry employees, and first-time buyers make up a large share of USDA applicants here. This program was built for exactly this type of market.
Yes, as of April 2026, Coachella falls within USDA-eligible boundaries. Always verify the specific property address at the USDA eligibility map.
Limits depend on household size and are set by USDA annually. A family of four typically faces a different cap than a single borrower.
USDA loans are primarily for single-family homes. Condos must meet specific USDA approval requirements, which most don't.
USDA loans take longer than conventional — plan for 45 to 60 days. The USDA guarantee office adds a review step that takes time.
If you qualify for USDA, it usually wins on down payment and monthly cost. FHA is the fallback if your income exceeds USDA limits.
You can't roll them in directly, but the seller can cover them. You can also use gift funds or lender credits to reduce out-of-pocket costs.