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San Jacinto sits in a part of Riverside County that USDA still recognizes as eligible rural territory. That matters — it means zero down financing is on the table.
Most buyers here are surprised USDA applies this close to the IE metro. It does, and it's one of the better-kept secrets in this market.
0%
Down Payment
640 (automated)
Min Credit Score
Government-Backed
Loan Type
Rolled into loan
Upfront Guarantee Fee
30-45 days
Typical Close Time
USDA Loans in San Jacinto
USDA has two hard requirements: the property must be in an eligible area, and your household income must fall under the limit for Riverside County. Both matter equally.
Credit-wise, most lenders want a 640 score minimum for automated approval. Below that, you're looking at manual underwriting — doable, but slower.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in San Jacinto.
San Jacinto sits in a part of Riverside County that USDA still recognizes as eligible rural territory. That matters — it means zero down financing is on the table.
Most buyers here are surprised USDA applies this close to the IE metro. It does, and it's one of the better-kept secrets in this market.
USDA has two hard requirements: the property must be in an eligible area, and your household income must fall under the limit for Riverside County. Both matter equally.
Not every lender offers USDA. Banks especially tend to skip it — too much paperwork, not enough volume. Brokers with wholesale access are your best bet.
At SRK CAPITAL, we work with 200+ wholesale lenders. We know which ones actually close USDA deals fast and which ones string you along.
The USDA guarantee fee works like mortgage insurance. There's an upfront fee rolled into the loan, plus an annual fee. It's cheaper than FHA mortgage insurance long-term.
One thing buyers miss: USDA checks the whole household income — not just borrowers on the loan. A working adult child living at home can push you over the limit.
FHA requires 3.5% down. VA requires zero, but only veterans qualify. USDA is the only zero-down path for civilian buyers who haven't served.
Conventional loans need at least 3-5% down and usually penalize lower credit scores heavily. If you're income-qualified for USDA, it's hard to beat.
San Jacinto's USDA eligibility isn't guaranteed forever. As cities grow and census data updates, eligibility maps get redrawn. Check current maps before falling in love with a home.
Home prices in San Jacinto are generally below coastal IE cities. That helps USDA buyers stretch their purchasing power without chasing the high-end market.
Yes, as of April 2026, San Jacinto is in a USDA-eligible area. Always verify the specific property address before making an offer.
USDA sets income limits by county and household size. Check the USDA eligibility site directly — limits adjust periodically.
Correct. USDA finances 100% of the purchase price. You still need closing costs, though sellers can cover those.
USDA loans typically take 30-45 days. Files requiring USDA Rural Development approval can run longer — lender experience speeds this up.
The home must meet USDA's minimum property standards. Major repair needs can kill the appraisal — know this before you write an offer.
Most USDA lenders require 640 for automated underwriting. Lower scores may qualify through manual review with stronger compensating factors.