Question 1

Is Needles actually USDA-eligible?

Accepted Answer

Yes, Needles currently qualifies as a USDA-eligible area. Always confirm with the USDA eligibility map before going under contract.

Question 2

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

Accepted Answer

USDA sets limits by county and household size. Check the USDA income eligibility tool for current San Bernardino County figures.

Question 3

Do I really pay zero at closing with a USDA loan?

Accepted Answer

Zero down, yes. But closing costs still apply. Negotiate seller concessions or a lender credit to reduce out-of-pocket costs.

Question 4

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

Accepted Answer

Expect 30–45 days. USDA loans require a review by the USDA Rural Development office, which adds time versus conventional loans.

Question 5

Can I buy a fixer-upper with a USDA loan in Needles?

Accepted Answer

The property must meet USDA's minimum condition standards. Significant repairs may need to be completed before closing.

Question 6

What credit score do I need for a USDA loan?

Accepted Answer

Most lenders require 640 for automated approval. Below 640, manual underwriting is possible but requires stronger compensating factors.

USDA Loans in Needles, CA — Zero Down in the Desert