Question 1

Is San Juan Bautista USDA-eligible?

Accepted Answer

Much of San Benito County qualifies as a rural area. Run your specific property address through the USDA eligibility map to confirm before applying.

Question 2

What income limit applies in San Benito County?

Accepted Answer

USDA sets income limits by county and household size. Check the USDA income eligibility tool — all adult household income counts, not just borrowers.

Question 3

Do USDA loans have mortgage insurance?

Accepted Answer

USDA charges a guarantee fee, not traditional mortgage insurance. There's an upfront fee and a smaller annual fee added to your monthly payment.

Question 4

Can I buy a fixer-upper with a USDA loan?

Accepted Answer

Only if it meets USDA's minimum property standards. Homes with major structural or safety issues typically won't pass USDA's appraisal requirements.

Question 5

How long does a USDA loan take to close?

Accepted Answer

Expect 30-45 days minimum. USDA requires a second approval layer beyond standard underwriting, which adds time. Plan ahead when making offers.

Question 6

Can I use USDA to buy a second home or rental?

Accepted Answer

No. USDA is strictly for primary residences. Investment properties and vacation homes are not eligible under this program.

USDA Loans in San Juan Bautista — Zero Down in San Benito County