Question 1

Is Galt eligible for USDA loans?

Accepted Answer

Parts of Galt may qualify, but eligibility depends on the specific property address. Check the USDA eligibility map or call us — boundaries shift and assumptions get buyers in trouble.

Question 2

Which loan has lower mortgage insurance?

Accepted Answer

USDA's annual fee is typically lower than FHA's combined upfront and annual premiums. Over a 30-year loan, that difference adds up.

Question 3

Can I use USDA with a low credit score?

Accepted Answer

Most USDA lenders want a 640 credit score. FHA is more forgiving, accepting 580 for 3.5% down — and some lenders go lower.

Question 4

Do USDA loans take longer to close?

Accepted Answer

USDA loans require an extra approval step through the USDA office. That can add time. Plan for a longer timeline than a standard FHA close.

Question 5

What are the income limits for USDA in Sacramento County?

Accepted Answer

USDA sets limits by household size and county. Check the USDA income eligibility tool or ask us — the numbers are updated periodically.

Question 6

Can I refinance an FHA loan into USDA later?

Accepted Answer

No. USDA is a purchase program with its own refinance options. You can't switch from FHA to USDA after closing.

FHA vs USDA Loans in Galt, CA