Question 1

Can I use a USDA loan to buy a home in Millbrae?

Accepted Answer

No. Millbrae is classified as ineligible by USDA. The entire city sits outside rural development zones required for this program.

Question 2

Are there any USDA-eligible properties near Millbrae?

Accepted Answer

Some unincorporated San Mateo County areas may qualify. These parcels are typically far from urban centers and lack Millbrae's transit access.

Question 3

What loan programs offer low down payments in Millbrae?

Accepted Answer

FHA requires 3.5% down and works citywide. VA offers zero down for eligible veterans. Both are solid alternatives to USDA here.

Question 4

Why is Millbrae ineligible for USDA loans?

Accepted Answer

USDA targets rural development. Millbrae is an incorporated city with urban density and infrastructure, which disqualifies it from the program.

Question 5

Can a broker help me find USDA-eligible property in San Mateo County?

Accepted Answer

Yes, but eligible zones are limited and rural. We can check the USDA map and show you where the program works if you are flexible on location.

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