Question 1

Can I use a USDA loan in Burlingame?

Accepted Answer

No. Burlingame exceeds USDA population and proximity limits. The program doesn't cover Peninsula cities near San Francisco.

Question 2

What San Mateo County areas qualify for USDA loans?

Accepted Answer

Coastal zones like Half Moon Bay and Pescadero qualify. Most areas east of Highway 1 don't meet rural criteria.

Question 3

What's the best zero-down alternative in Burlingame?

Accepted Answer

VA loans for veterans offer zero down statewide. Non-veterans need at least 3.5% down with FHA financing.

Question 4

Do USDA loans have income limits in San Mateo County?

Accepted Answer

Yes. Household income can't exceed $150,300 for families up to four. These caps apply even in qualifying areas.

Question 5

Why don't sellers like USDA offers?

Accepted Answer

Approval takes 30-45 days and adds uncertainty. Conventional and FHA close faster in competitive markets.

USDA Loans in Burlingame: Why This Program Won't Work Here