Question 1

Is Fort Jones actually USDA-eligible?

Accepted Answer

Yes. Fort Jones qualifies as a rural area under USDA guidelines. Verify the specific property address on the USDA eligibility map before making an offer.

Question 2

What are the income limits for Siskiyou County?

Accepted Answer

USDA sets limits by household size for each county. Siskiyou limits are set for local income levels — contact us to run your numbers fast.

Question 3

Can I buy land with a USDA loan?

Accepted Answer

Not standalone land. The loan must finance a primary residence. Modest acreage with a home is usually fine — large farming operations are not.

Question 4

How is USDA different from FHA in Fort Jones?

Accepted Answer

USDA requires zero down and has income limits. FHA requires 3.5% down and has no income cap. Both work in Fort Jones — your financials decide which fits.

Question 5

Do USDA loans have mortgage insurance?

Accepted Answer

Not exactly. There's a 1% upfront guarantee fee and a 0.35% annual fee. It's structured like insurance but cheaper than FHA MIP over the loan term.

Question 6

How long does a USDA loan take to close in Fort Jones?

Accepted Answer

Plan for 45-60 days. Rural appraisers are limited in Siskiyou County, and USDA adds a review layer that conventional loans skip.

USDA Loans in Fort Jones, CA — Zero Down in Rural Siskiyou