Question 1

Is Montclair eligible for USDA loans?

Accepted Answer

Eligibility is address-specific, not city-wide. Some Montclair addresses may qualify. Run the official USDA eligibility tool or ask us to check your specific property.

Question 2

What income limit applies in San Bernardino County?

Accepted Answer

Limits vary by household size and are set annually by USDA. Your entire household income counts, not just the borrower's.

Question 3

How is the USDA Guaranteed program different from Direct?

Accepted Answer

Guaranteed loans are issued by approved lenders and backed by USDA. Direct loans come from USDA itself and have stricter, lower loan caps — especially in California as of early 2026.

Question 4

Does USDA require mortgage insurance?

Accepted Answer

Yes. USDA charges an upfront guarantee fee and an annual fee. Both are lower than FHA mortgage insurance premiums.

Question 5

Can I use USDA for a multi-unit property in Montclair?

Accepted Answer

No. USDA loans are for single-family primary residences only. Multi-unit and investment properties don't qualify.

Question 6

How long does a USDA loan take to close?

Accepted Answer

Longer than conventional — often 45 to 60 days. USDA requires a separate government approval step that adds time.

USDA Loans in Montclair, CA — Zero Down, If You Qualify