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Isleton sits in the Sacramento-San Joaquin Delta — and USDA considers much of this area rural-eligible. That matters because zero-down financing is rare in California.
Most California cities don't qualify for USDA at all. Isleton is one of the exceptions. That gives buyers here a real financing edge.
0%
Down Payment
640 typical
Min Credit Score
1% of loan
Upfront Guarantee Fee
0.35% of loan
Annual Fee
Single-family only
Property Type
30–45 days
Est. Close Time
USDA Loans in Isleton
USDA loans have two hard requirements: the property must be in an eligible area, and your household income must fall under the local limit. Both apply here.
Most lenders want a 640 credit score for USDA. Your debt-to-income ratio — monthly debts divided by gross income — generally needs to stay under 41%. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Isleton.
Isleton sits in the Sacramento-San Joaquin Delta — and USDA considers much of this area rural-eligible. That matters because zero-down financing is rare in California.
Most California cities don't qualify for USDA at all. Isleton is one of the exceptions. That gives buyers here a real financing edge.
USDA loans have two hard requirements: the property must be in an eligible area, and your household income must fall under the local limit. Both apply here.
Not every lender offers USDA loans. Smaller Delta-area towns like Isleton get passed over by big retail banks that focus on high-volume markets.
Working with a broker who has access to USDA-approved wholesale lenders changes that. We shop across 200+ lenders — many of which specialize in rural loan programs.
USDA has two loan options: a guaranteed loan through an approved lender, and a direct loan from USDA itself. Most buyers use the guaranteed program.
The USDA guarantee fee works like mortgage insurance. There's an upfront fee of 1% of the loan amount, plus an annual fee of 0.35%. These costs still beat FHA's insurance premiums for most buyers.
FHA loans require 3.5% down and carry higher mortgage insurance costs. USDA beats FHA on upfront cash for buyers who qualify on income and location.
VA loans also offer zero down — but only for veterans. USDA is the strongest zero-down option for non-military buyers in eligible rural areas like Isleton.
Isleton is a small Delta community with limited inventory. USDA eligible properties here are mostly single-family homes — condos and investment properties don't qualify.
As of April 2026, USDA eligibility maps can change when Census data updates. Confirm eligibility before you make an offer — we check this on every file.
Yes — Isleton's rural character qualifies it under USDA's geographic requirements. Always verify the specific address using USDA's eligibility map before proceeding.
USDA income limits are based on household size and county. A broker can pull the exact limit for your household — don't assume you're over without checking.
The home must meet USDA's minimum property standards at closing. Major fixer-uppers typically won't pass — look at FHA 203k if the property needs significant work.
USDA loans require a secondary review by the USDA office. Expect 30–45 days minimum — sometimes longer. Build that into your offer timeline.
USDA calls it a guarantee fee, not mortgage insurance. There's a 1% upfront fee and a 0.35% annual fee — both lower than FHA's mortgage insurance premiums.
Yes — USDA offers a streamlined refinance for existing USDA borrowers. Non-USDA loans can refinance in, but income and property eligibility still apply.