Question 1

Is Big Bear Lake actually USDA-eligible?

Accepted Answer

Yes, as of March 2026 Big Bear Lake falls within USDA's eligible rural zone. Always verify the USDA eligibility map before you go under contract.

Question 2

Can I use a USDA loan for a vacation home in Big Bear?

Accepted Answer

No. USDA loans require the home to be your primary residence. Vacation or short-term rental use disqualifies the property.

Question 3

What are the income limits for USDA in San Bernardino County?

Accepted Answer

USDA sets limits by household size for San Bernardino County. Limits are higher than most people expect — ask us to run your household's number.

Question 4

How does USDA compare to FHA in Big Bear?

Accepted Answer

USDA requires zero down and has lower annual fees than FHA. FHA has no income cap and is easier to qualify for with lower credit scores.

Question 5

What credit score do I need for a USDA loan?

Accepted Answer

Most USDA lenders require 640 or higher for automated underwriting. Below that, your file goes manual — still possible, but harder.

Question 6

Does USDA have mortgage insurance?

Accepted Answer

USDA charges an upfront guarantee fee and a small annual fee. Both are lower than FHA's mortgage insurance premiums.

USDA Loans in Big Bear Lake — Zero Down in the Mountains