Question 1

Is Monte Sereno eligible for USDA loans?

Accepted Answer

Most of Santa Clara County falls outside USDA rural eligibility zones. Check the USDA property eligibility map directly before making plans.

Question 2

What are the income limits for USDA in Santa Clara County?

Accepted Answer

Santa Clara County has elevated limits due to high local incomes. Check the USDA income eligibility tool for exact thresholds by household size.

Question 3

Can I buy with zero down in Monte Sereno without USDA?

Accepted Answer

Yes. VA loans offer zero down for veterans. CalHFA and local down payment assistance programs are also worth exploring.

Question 4

What credit score does a USDA loan require?

Accepted Answer

Most USDA lenders require a 640 score for automated underwriting approval. Lower scores may require manual review and stronger compensating factors.

Question 5

Does USDA have a maximum loan amount?

Accepted Answer

USDA doesn't publish hard loan limits, but your purchase price must appraise within program guidelines. High Monte Sereno prices can create issues.

Question 6

What loan types should I consider instead of USDA here?

Accepted Answer

FHA, Conventional with down payment assistance, VA, and Community Mortgage programs are all more practical for Monte Sereno buyers. Rates vary by borrower profile and market conditions.

USDA Loans in Monte Sereno, CA — What You Need to Know