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Mount Shasta sits in one of California's most rural counties. That geography works in your favor with USDA loans.
Most of Siskiyou County qualifies for USDA eligibility. That means zero down financing is on the table for many buyers here.
0%
Down Payment
640 (preferred)
Min Credit Score
1% of loan amount
Upfront Guarantee Fee
0.35% of balance
Annual Fee
By profile & market
Rates Vary
USDA Loans in Mount Shasta
USDA loans require no down payment. You do need to meet income limits set by the USDA for Siskiyou County.
Lenders typically want a 640 credit score for automated approval. Below that, manual underwriting is possible but harder to get done.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Mount Shasta.
Mount Shasta sits in one of California's most rural counties. That geography works in your favor with USDA loans.
Most of Siskiyou County qualifies for USDA eligibility. That means zero down financing is on the table for many buyers here.
USDA loans require no down payment. You do need to meet income limits set by the USDA for Siskiyou County.
Not every lender offers USDA loans. Rural areas like Mount Shasta get fewer bids from retail banks.
Working with a broker who accesses wholesale lenders matters here. More lenders competing means better pricing on your rate.
The USDA guarantee fee adds to your loan cost. There's an upfront fee and an annual fee — both lower than FHA's mortgage insurance.
Sellers can pay closing costs on USDA deals. In a slower market like Siskiyou, that's absolutely worth negotiating.
FHA requires 3.5% down. USDA requires zero. For a buyer short on cash, that gap is decisive.
VA beats USDA if you qualify — no down payment and no annual fee. But USDA serves buyers without military service.
Mount Shasta's rural character is a feature here, not a barrier. The USDA map covers most addresses in and around the city.
Properties with well and septic are common in Siskiyou County. USDA lenders will require those systems to meet condition standards at appraisal.
Most of Mount Shasta and Siskiyou County falls within USDA-eligible rural areas. Verify your specific address on the USDA eligibility map before applying.
USDA sets household income limits by county and family size. Check the USDA income eligibility tool for the current Siskiyou County cap.
The home must meet USDA's minimum property standards at appraisal. Major repairs or poor condition can kill the deal.
There's a 1% upfront fee rolled into the loan and a 0.35% annual fee. Both are lower than FHA's mortgage insurance costs.
Yes. USDA allows seller concessions to cover closing costs. In a slower market, this is a realistic ask.
Yes, but well and septic systems must pass inspection. That's common in Siskiyou County — budget for those tests upfront.