Question 1

Can I use a USDA loan to buy in Woodside?

Accepted Answer

Most Woodside properties don't qualify because they sit outside USDA-eligible zones and exceed income limits. You'll have better luck with conventional or FHA financing.

Question 2

What credit score do I need for a USDA loan?

Accepted Answer

You need a 640 minimum credit score. Higher scores get better rates, but the income cap is the bigger obstacle in San Mateo County.

Question 3

How does USDA zero down payment work?

Accepted Answer

The USDA guarantees the loan so lenders don't require a down payment. You still pay closing costs and a 1% upfront guarantee fee rolled into the loan.

Question 4

Are there income limits for USDA loans in San Mateo County?

Accepted Answer

Yes, your household income can't exceed 115% of the county median. That ceiling is far below typical Woodside buyer earnings.

Question 5

What's a better alternative to USDA loans in Woodside?

Accepted Answer

VA loans for veterans offer zero down without income caps. Non-veterans should look at 3% down conventional or FHA loans with 3.5% down.

USDA Loans in Woodside: Zero Down Payment Options for San Mateo County Buyers