Question 1

Can I use a USDA loan to buy in San Francisco?

Accepted Answer

No. San Francisco County is not USDA-eligible. The program requires rural or suburban property locations.

Question 2

What zero-down loans work in San Francisco?

Accepted Answer

VA loans are the strongest zero-down option for eligible veterans. CalHFA programs can also cover down payment costs.

Question 3

Are any Bay Area cities USDA-eligible?

Accepted Answer

Some outer areas in Solano and San Joaquin counties have eligible zones. Use the USDA eligibility map to check specific addresses.

Question 4

What credit score does USDA require?

Accepted Answer

Most lenders require a 640 score for USDA loans. Below that, manual underwriting may be required.

Question 5

What loan should I use instead of USDA in SF?

Accepted Answer

FHA is the most common low-down alternative. VA is better if you qualify. Ask us to compare both for your situation.

USDA Loans in San Francisco: What You Need to Know