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Manteca sits in San Joaquin County — and parts of it fall inside USDA-eligible zones. That means zero down financing is a real option here, not just a rural fantasy.
USDA eligibility maps get updated periodically. Areas that qualify today may not qualify tomorrow. Check your specific address before assuming you're in or out.
0%
Down Payment
640
Min Credit Score
Government-Backed
Loan Type
County Limit Applies
Income Requirement
30–45 Days
Typical Close Time
USDA Loans in Manteca
USDA loans have two hard requirements: the property must be in an eligible area, and your household income must fall below the county limit. Both boxes must be checked.
San Joaquin County income limits vary by household size. A larger family gets a higher limit. Most moderate-income earners in Manteca land in range.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Manteca.
Manteca sits in San Joaquin County — and parts of it fall inside USDA-eligible zones. That means zero down financing is a real option here, not just a rural fantasy.
USDA eligibility maps get updated periodically. Areas that qualify today may not qualify tomorrow. Check your specific address before assuming you're in or out.
USDA loans have two hard requirements: the property must be in an eligible area, and your household income must fall below the county limit. Both boxes must be checked.
Not every lender offers USDA loans. Many retail banks don't bother. You need a lender approved through the USDA Rural Development program.
As a broker with access to 200+ wholesale lenders, we can put your file in front of multiple USDA-approved lenders at once. That matters when guidelines get tight.
The biggest mistake we see? Buyers assume their address qualifies without checking. Run it through the USDA eligibility map on day one — before you fall in love with a house.
USDA also has a guarantee fee instead of traditional PMI. There's an upfront fee and an annual fee. It's usually cheaper than FHA mortgage insurance over the life of the loan.
FHA requires 3.5% down. Conventional requires at least 3%. USDA requires nothing. For a buyer with solid income but limited savings, that difference is decisive.
The trade-off is location. FHA and conventional work anywhere. USDA locks you into eligible areas. In Manteca, that's a realistic constraint worth planning around.
Manteca is growing fast. New subdivisions and expanding city limits can push previously eligible addresses out of USDA zones. Timing matters here more than in slower markets.
San Joaquin County's income limits reflect the region's wage base. Many first-time buyers here qualify — but dual-income households with higher earnings sometimes get cut off.
No. Only specific addresses within USDA-designated zones qualify. Check the USDA eligibility map before making an offer.
Limits vary by household size. A larger household gets a higher cap. Contact us to run your specific numbers against current county limits.
Yes, if the property is in an eligible area and meets USDA property standards. New builds must pass a USDA appraisal.
USDA loans typically take 30–45 days. Files must go through USDA Rural Development review, which adds time compared to conventional loans.
Usually yes. The annual fee is lower, and if you stay in the home long-term, you pay less overall than you would with FHA MIP.
Yes. Once your loan closes under USDA, you keep those terms. A future refinance would need to qualify under whatever program you use then.