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Milpitas sits in the heart of Silicon Valley, inside Santa Clara County. USDA loans are designed for rural and suburban areas — and that's a problem here.
The USDA eligibility map excludes most of Milpitas. This city's population density and income levels put it firmly outside USDA territory.
Not Eligible
Milpitas USDA Eligibility
620
Min Credit Score
0% (if eligible)
Down Payment Required
1% of loan amount
Guarantee Fee (Upfront)
0.35% of loan balance
Annual Fee
USDA Loans in Milpitas
USDA loans require the property to sit in a USDA-designated eligible area. Milpitas doesn't qualify — full stop.
Income limits apply too. Santa Clara County household incomes typically exceed USDA thresholds by a wide margin.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Milpitas.
Milpitas sits in the heart of Silicon Valley, inside Santa Clara County. USDA loans are designed for rural and suburban areas — and that's a problem here.
The USDA eligibility map excludes most of Milpitas. This city's population density and income levels put it firmly outside USDA territory.
USDA loans require the property to sit in a USDA-designated eligible area. Milpitas doesn't qualify — full stop.
Most lenders in the South Bay won't even quote USDA for Milpitas addresses. The eligibility check fails before underwriting starts.
At SRK CAPITAL, we work with 200+ wholesale lenders. None of them can make USDA work for an ineligible property — but we can find you the next best fit fast.
Buyers come to us asking about USDA in Milpitas fairly often. They've read about zero-down loans online and want in.
We redirect them immediately. FHA at 3.5% down or CalHFA assistance programs often get these buyers to closing faster than chasing an ineligible program.
FHA loans require 3.5% down with a 580 credit score. That's the closest thing to USDA for Milpitas buyers who need low down payment options.
VA loans offer true zero-down for veterans — and Santa Clara County VA loan limits are high enough to cover most purchases here. Rates vary by borrower profile and market conditions.
Milpitas home prices reflect its Silicon Valley location. High price points make down payment assistance programs especially valuable here.
As of April 2026, buyers in Milpitas need a loan strategy built for a high-cost urban market — not a rural program designed for outlying counties.
No. Milpitas is fully outside USDA-designated rural zones. No address in this city will pass the USDA property eligibility check.
VA loans offer zero down for eligible veterans. CalHFA programs can cover down payment costs for non-veterans in Santa Clara County.
USDA targets low-density rural communities. Milpitas is a dense Silicon Valley city — its population and income levels disqualify it entirely.
Possibly. Some less-developed parts of California remain USDA-eligible. Ask us to run an eligibility check on a specific address.
USDA sets limits by county and household size. Santa Clara County incomes typically exceed those limits, which is another barrier beyond property eligibility.
We can identify your best fit in one call. With 200+ lenders, we know quickly which programs match your income, credit, and down payment situation.