Question 1

Is Saratoga, CA eligible for a USDA loan?

Accepted Answer

No. Saratoga does not meet USDA geographic or income eligibility requirements. Look at FHA or conventional loans instead.

Question 2

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

Accepted Answer

USDA income limits fall well below Bay Area median wages. Most Santa Clara County households earn too much to qualify.

Question 3

What is a good alternative to USDA loans in Saratoga?

Accepted Answer

FHA loans require just 3.5% down and are available in Saratoga. CalHFA programs can also reduce upfront costs significantly.

Question 4

Do USDA loans require mortgage insurance?

Accepted Answer

USDA loans charge an upfront guarantee fee and an annual fee — similar to mortgage insurance. There is no monthly PMI in the traditional sense.

Question 5

Can a broker help me find zero-down options in Saratoga?

Accepted Answer

Yes. VA loans offer zero down for veterans. Down payment assistance programs can also reduce out-of-pocket costs on FHA or conventional loans.

Question 6

How do I check if a property qualifies for USDA?

Accepted Answer

Use the USDA's online eligibility map and enter the property address. Do this before applying — lenders can't override geographic rules.

USDA Loans in Saratoga, CA: What You Need to Know