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Norco sits in western Riverside County. Parts of the city fall within USDA-eligible zones — meaning zero down financing is on the table.
USDA eligibility is tied to geography and income, not just credit. Run the address before assuming Norco doesn't qualify.
0%
Down Payment
640
Min Credit Score
Rolls into loan
Upfront Fee
County-based
Income Limit
30-45 days
Est. Close Time
USDA Loans in Norco
USDA loans require a 640 credit score with most lenders. Below that, you'll need manual underwriting — harder to get approved.
Income limits apply. Your household income must stay under the USDA cap for Riverside County. That number adjusts for household size.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Norco.
Norco sits in western Riverside County. Parts of the city fall within USDA-eligible zones — meaning zero down financing is on the table.
USDA eligibility is tied to geography and income, not just credit. Run the address before assuming Norco doesn't qualify.
USDA loans require a 640 credit score with most lenders. Below that, you'll need manual underwriting — harder to get approved.
Not every lender offers USDA loans. Many banks skip the program entirely because volume is low and processing takes longer.
At SRK CAPITAL, we work with wholesale lenders that actively fund USDA deals in Riverside County. That matters for your timeline.
USDA has two fee structures: an upfront guarantee fee and an annual fee. Both are lower than FHA mortgage insurance.
The upfront fee can be rolled into the loan. So your true out-of-pocket at closing is minimal — sometimes just closing costs.
FHA requires 3.5% down. VA is zero down but needs military service. USDA is zero down with no service requirement — just location and income.
Conventional loans at this price point require at least 3-5% down plus PMI. USDA avoids both if you qualify.
Norco is known for its equestrian culture and larger lots. Those property types can complicate USDA appraisals — acreage rules apply.
USDA won't finance a property where the land value dominates. A home on several acres needs to appraise primarily as residential.
Parts of Norco are in USDA-eligible zones. You need to check your specific address on the USDA eligibility map before assuming.
USDA income limits vary by household size and county. Check the current USDA limit for Riverside County before applying.
Sometimes. The home must be the primary value on the lot. Large acreage where land dominates the appraisal can disqualify the property.
USDA loans typically take 30-45 days. Rural Development must issue a final commitment, which adds time versus conventional loans.
If you qualify, yes. Zero down and lower annual fees beat FHA's 3.5% down and higher mortgage insurance costs.
You can't roll closing costs in unless the home appraises above purchase price. Seller concessions are the most common solution.