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Galt sits in Sacramento County, and parts of it qualify for USDA financing. That means eligible buyers can purchase with zero down payment.
USDA loans are government-backed. They exist specifically for rural and suburban areas — and Galt fits that profile for qualifying addresses.
0%
Down Payment
640 (preferred)
Min Credit Score
Fixed 30-year
Rate Type
Varies by household
Income Limit
30–45 days
Typical Close Time
USDA Loans in Galt
USDA has two hard requirements: your income must fall under the area limit, and the property must be in an eligible location.
Most lenders want a 640 credit score for automated approval. Below that, files go to manual underwriting — harder, but not impossible.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Galt.
Galt sits in Sacramento County, and parts of it qualify for USDA financing. That means eligible buyers can purchase with zero down payment.
USDA loans are government-backed. They exist specifically for rural and suburban areas — and Galt fits that profile for qualifying addresses.
USDA has two hard requirements: your income must fall under the area limit, and the property must be in an eligible location.
Not every lender offers USDA. Banks often skip it. Brokers with wholesale access find far more USDA-approved lenders to shop.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find who prices USDA best and actually closes these loans without drama.
The biggest USDA mistake I see: buyers assume they qualify before checking the address. Run the USDA eligibility map first — before falling in love with a listing.
Household income counts everyone living there. A working spouse, a part-time teenager — lenders add it all up. Know your number before applying.
FHA requires 3.5% down. USDA requires zero. For a $400,000 home, that's $14,000 you keep in your pocket.
The tradeoff: USDA has income limits and geographic restrictions. FHA has neither. If you're over the income cap, FHA or conventional is your path.
Galt is a smaller city southeast of Sacramento. Its suburban and agricultural character makes it a natural fit for the USDA program's target areas.
Always confirm eligibility at the USDA's online map using the exact property address. Boundaries shift, and one street can make the difference.
Not necessarily every address. Run the specific property through the USDA eligibility map before assuming it qualifies.
Limits vary by household size and are set by USDA annually. Check the current limit at the USDA income eligibility portal.
Typically 30-45 days. USDA files require a Rural Development approval step that adds time versus FHA or conventional.
The property must meet USDA condition standards. Severe fixer-uppers often don't pass. A standard USDA loan isn't a rehab loan.
Yes. There's an upfront guarantee fee and an annual fee. Both are lower than FHA mortgage insurance premiums.
Generally no — USDA is for buyers without adequate housing. Owning another home typically disqualifies you.