Loading
Loading
Etna sits in Scott Valley — deep rural Siskiyou County. That geography is exactly what USDA loans were built for.
Most properties in Etna fall inside USDA-eligible zones. Zero down financing is a real option here, not a long shot.
0%
Down Payment
640 (preferred)
Min Credit Score
Rolled into loan
Upfront Guarantee Fee
Fixed 30-year
Rate Type
30-45 days
Est. Close Time
USDA Loans in Etna
USDA has two hard requirements: the property must be in an eligible rural area, and your income must fall under the local limit.
Most lenders want a 640 credit score for automated approval. Below that, manual underwriting is possible but harder to clear.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Etna.
Etna sits in Scott Valley — deep rural Siskiyou County. That geography is exactly what USDA loans were built for.
Most properties in Etna fall inside USDA-eligible zones. Zero down financing is a real option here, not a long shot.
USDA has two hard requirements: the property must be in an eligible rural area, and your income must fall under the local limit.
Not every lender does USDA loans well. Rural files get stalled by underwriters unfamiliar with Siskiyou County properties.
At SRK CAPITAL, we shop across 200+ wholesale lenders. We route USDA files to shops that actually close rural California deals.
The USDA guarantee fee adds cost. There's an upfront fee rolled into the loan and an annual fee built into your payment.
Still, zero down beats a 3.5% FHA down payment for buyers short on savings. Run the math before defaulting to FHA.
FHA requires 3.5% down and carries mortgage insurance regardless of equity. USDA requires nothing down and the annual fee drops off eventually.
VA beats USDA if you've served — no fees, no income limits. If you're not VA-eligible, USDA is the strongest zero-down option in Etna.
Siskiyou County properties sometimes have well and septic systems. USDA requires both to meet minimum standards — budget for inspections.
Etna's remote location can slow appraisals. Appraisers covering rural Siskiyou are limited. Build extra time into your closing timeline.
Yes. Etna is a small rural town in Siskiyou County. Most properties here fall within USDA-designated eligible areas.
USDA sets limits by household size and county. Check the USDA eligibility map for current Siskiyou County figures — limits change annually.
Some manufactured homes qualify, but they must be permanently affixed and meet USDA property standards. Not all lenders will do it.
Expect 30-45 days minimum. Rural appraisals in Siskiyou County can add time. Start early and don't lock a short rate window.
Only if the home meets USDA's minimum property standards at closing. Major repairs must be completed before funding, not after.