Question 1

Does Highland, CA qualify for USDA loans?

Accepted Answer

Parts of Highland may qualify. You must check each specific address on the USDA eligibility map — city-wide approval doesn't exist.

Question 2

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

Accepted Answer

Limits vary by household size. Check USDA's current income limit tool for San Bernardino County before applying.

Question 3

How is USDA different from FHA in Highland?

Accepted Answer

USDA requires zero down versus FHA's 3.5%. USDA also has lower annual mortgage insurance, but adds a location and income requirement.

Question 4

Did recent USDA changes affect California buyers?

Accepted Answer

HousingWire reported USDA Direct Loan caps dropped to 60% of local FHA limits. This restricts borrowing power for Direct Loan applicants in California.

Question 5

Can I use a USDA loan to buy a multi-unit property?

Accepted Answer

No. USDA is limited to single-family homes used as your primary residence. Investment and multi-unit properties don't qualify.

Question 6

How long does USDA loan approval take?

Accepted Answer

USDA requires a second review by the rural development office. Expect 30-60 days — longer than FHA or conventional in most cases.

USDA Loans in Highland, CA — Zero Down in San Bernardino County