Question 1

Is Montague eligible for USDA loans?

Accepted Answer

Yes. Montague is a rural community in Siskiyou County and falls within USDA eligible territory. Confirm each specific property address at the USDA eligibility map.

Question 2

What are the income limits for USDA in Siskiyou County?

Accepted Answer

Limits depend on household size and are set by USDA annually. Check current Siskiyou County tables — rural county caps run lower than coastal California areas.

Question 3

Can I buy land with a USDA loan?

Accepted Answer

No. USDA is for primary residences only. The loan covers the home and the lot it sits on — not raw land or investment property.

Question 4

How long does a USDA loan take to close in Montague?

Accepted Answer

Budget 45-60 days. USDA requires both lender approval and agency sign-off. Rural appraisal timelines can add days in Siskiyou County.

Question 5

Do I need perfect credit for a USDA loan?

Accepted Answer

No. Most lenders approve at 640 or above through automated underwriting. Below 640, manual review is required — approval is harder but not impossible.

Question 6

Can the seller pay my closing costs on a USDA loan?

Accepted Answer

Yes. USDA allows seller concessions to cover closing costs. In a slower rural market like Montague, negotiating that is often realistic.

USDA Loans in Montague, CA — Zero Down in Rural Siskiyou