Question 1

Is all of Chino eligible for USDA loans?

Accepted Answer

No. Eligibility is parcel-specific. Some Chino addresses qualify and others don't. Always check the USDA map before making an offer.

Question 2

What income limit applies in San Bernardino County?

Accepted Answer

USDA sets limits by county and household size. They adjust periodically. Verify the current limit at application — don't rely on old figures.

Question 3

How long does a USDA loan take to close in Chino?

Accepted Answer

Plan for 45 to 60 days. Some files need state-level USDA review. That step is outside anyone's control and adds real time.

Question 4

Does USDA require mortgage insurance?

Accepted Answer

Yes. There's a 1% upfront guarantee fee and a 0.35% annual fee. Both are lower than FHA mortgage insurance premiums.

Question 5

Can I use USDA for a duplex or investment property in Chino?

Accepted Answer

No. USDA is for primary residences only. Single-family homes in eligible zones. Duplexes and investment properties are excluded.

Question 6

What credit score do I need for a USDA loan?

Accepted Answer

Most lenders require 640 for automated underwriting. Below that, manual underwriting applies and approval gets harder to find.

USDA Loans in Chino, CA — Zero Down if You Qualify