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Folsom sits at the eastern edge of Sacramento County. That location matters a lot for USDA eligibility.
USDA maps are redrawn periodically. Parts of Folsom and nearby unincorporated areas may still qualify — but you need to verify your specific address.
0%
Down Payment
640 typical
Min Credit Score
1% of loan
Upfront Guarantee Fee
0.35% of balance
Annual Fee
45-60 days
Est. Close Time
USDA Loans in Folsom
USDA loans require zero down payment. That's the headline — but income limits are the real gatekeeper.
For Sacramento County, household income limits apply to everyone in the home. Exceed the cap and you're out, regardless of credit.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Folsom.
Folsom sits at the eastern edge of Sacramento County. That location matters a lot for USDA eligibility.
USDA maps are redrawn periodically. Parts of Folsom and nearby unincorporated areas may still qualify — but you need to verify your specific address.
USDA loans require zero down payment. That's the headline — but income limits are the real gatekeeper.
Not every lender offers USDA loans. Banks often skip them — the process is longer and approval runs through the USDA itself.
As a broker with access to 200+ wholesale lenders, we can shop USDA-approved lenders directly. That means faster turns and more program flexibility.
The USDA guarantee fee works like FHA mortgage insurance — upfront and annual. Budget for both when you run numbers.
USDA approvals have two steps: lender underwriting, then USDA sign-off. Timeline is longer than conventional. Plan for 45-60 days minimum.
FHA requires 3.5% down. USDA requires zero. For buyers short on cash, that gap is the whole decision.
VA loans also offer zero down — but only for veterans. If you don't have VA eligibility, USDA is the only zero-down path for most Folsom buyers.
Folsom is a growing suburb. USDA eligibility can shrink as cities expand and population thresholds are crossed.
As of April 2026, some Folsom-area addresses still qualify. Confirm eligibility before you fall in love with a specific property.
Parts of Folsom may qualify. You must check your specific address on the USDA eligibility map — city boundaries don't tell the whole story.
Limits depend on household size and are set by USDA annually. Everyone living in the home counts toward the income total.
Plan on 45-60 days minimum. Lender underwriting plus USDA sign-off adds time compared to conventional loans.
Yes, USDA can be used for new construction — but the property must be in an eligible area and meet USDA property standards.
Most USDA lenders want a 640 or higher. Below that, manual underwriting is possible but harder to get approved.
If you qualify on location and income, USDA wins — zero down beats FHA's 3.5%. If you're over the income limit, FHA is your fallback.