Question 1

Does Adelanto qualify for USDA loans?

Accepted Answer

Parts of Adelanto may be USDA-eligible. Eligibility is determined by the USDA property map — always verify the specific address before assuming.

Question 2

Which loan has lower monthly payments?

Accepted Answer

USDA's guarantee fee is typically cheaper than FHA's monthly mortgage insurance premium. Run the numbers on both before deciding.

Question 3

Can I use either loan to buy a fixer-upper?

Accepted Answer

FHA has a 203k rehab option for fixer-uppers. USDA requires the home to meet minimum property standards at closing.

Question 4

What credit score do I need for USDA?

Accepted Answer

Most USDA lenders want a 640 credit score to qualify. FHA allows lower scores, down to 580 for the 3.5% down option.

Question 5

Are there loan limits on USDA or FHA?

Accepted Answer

FHA has set loan limits by county. USDA doesn't use loan limits — it uses income limits instead to determine eligibility.

FHA vs USDA Loans in Adelanto, CA