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Campbell sits in the heart of Santa Clara County. That location creates a real problem for USDA loan hopefuls.
USDA loans require properties to be in eligible rural or suburban zones. Most of Campbell does not qualify.
0%
Down Payment
640
Min Credit Score
Applies — check USDA
Income Limit
Rural zones only
Property Eligibility
USDA Loans in Campbell
USDA loans offer zero down payment. That sounds great — but two hurdles trip up most Campbell borrowers.
Your income must fall within USDA limits for Santa Clara County. High Bay Area salaries often disqualify applicants.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Campbell.
Campbell sits in the heart of Santa Clara County. That location creates a real problem for USDA loan hopefuls.
USDA loans require properties to be in eligible rural or suburban zones. Most of Campbell does not qualify.
USDA loans offer zero down payment. That sounds great — but two hurdles trip up most Campbell borrowers.
Not every lender offers USDA loans. Fewer still know California's rural eligibility maps well.
We work with 200+ wholesale lenders. We know which ones close USDA deals in Santa Clara County quickly.
Honestly, most Campbell buyers won't use a USDA loan. The property eligibility map rules out most city addresses.
If your property is on the outer edge of Campbell near Morgan Hill or unincorporated county land, run the USDA eligibility check first.
FHA loans require 3.5% down and have no geographic restrictions. For most Campbell buyers, that's a more direct path.
VA loans also offer zero down — with no income limits and no rural requirement. If you're a veteran, that beats USDA in this market.
Santa Clara County's median income is well above national figures. That pushes many households over the USDA income ceiling.
Campbell's walkable neighborhoods and Silicon Valley proximity make it a dense suburban market. USDA simply wasn't designed for this geography.
Most Campbell addresses won't pass the USDA rural eligibility map. Check the USDA site by specific property address before applying.
USDA income limits vary by household size and county. Santa Clara County's high wages often push borrowers above the cap.
Most USDA lenders require a 640 credit score minimum. Some may approve lower scores with stronger compensating factors.
Yes. USDA loans charge an upfront guarantee fee plus an annual fee. Both are typically lower than FHA mortgage insurance.
FHA, VA, and conventional loans have no rural requirement. They're a more practical starting point for Campbell homebuyers.