Question 1

Can I use a USDA loan anywhere in Portola Valley?

Accepted Answer

Most of Portola Valley doesn't qualify as rural under USDA maps. Only scattered parcels near unincorporated borders may be eligible—check the USDA site before house hunting.

Question 2

What's the income limit for USDA loans in San Mateo County?

Accepted Answer

Household income caps sit around $130,000 for most families. Higher limits apply to households with more than four people, but most Portola Valley buyers exceed these thresholds.

Question 3

How long does USDA loan approval take?

Accepted Answer

Expect 45-60 days from application to closing. USDA's Rural Development office reviews every file, which adds time compared to FHA or Conventional loans.

Question 4

Do USDA loans work for fixer-upper properties?

Accepted Answer

USDA appraisals are strict on property condition. Minor issues like peeling paint or broken windows can kill the deal, making USDA tough for fixers.

Question 5

What if I make too much for USDA but want zero down?

Accepted Answer

VA loans offer zero down with no income cap if you're military. Non-veterans should consider 3% down Conventional or 3.5% FHA with down payment assistance programs.

USDA Loans in Portola Valley: Zero Down Payment Rural Housing Mortgages