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Weed sits in Siskiyou County, well within USDA's eligible rural zone. That means qualified buyers here can purchase with zero down payment.
Most California cities lost USDA eligibility as populations grew. Weed hasn't. That's a real advantage for buyers with limited cash to close.
0%
Down Payment Required
640 (automated)
Min Credit Score
41%
Back-End DTI Limit
30–45 days
Typical Close Time
Fixed, 30-year
Rate Type
USDA Loans in Weed
USDA has two hard requirements: the property must be in an eligible area, and your income must fall under the local limit. Both apply in Weed.
Most lenders want at least a 640 credit score for automated approval. You also need stable income and a debt-to-income ratio under 41% on the back end.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Weed.
Weed sits in Siskiyou County, well within USDA's eligible rural zone. That means qualified buyers here can purchase with zero down payment.
Most California cities lost USDA eligibility as populations grew. Weed hasn't. That's a real advantage for buyers with limited cash to close.
USDA has two hard requirements: the property must be in an eligible area, and your income must fall under the local limit. Both apply in Weed.
Not every lender does USDA loans. Many banks skip them entirely. You need a lender approved to originate USDA Guaranteed loans.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in rural California — exactly the profile Weed borrowers need.
USDA has an upfront guarantee fee and an annual fee. Think of them like FHA's mortgage insurance — built into the loan, not paid at closing.
The upfront fee can be rolled into your loan balance. Most buyers in Weed still come out ahead versus saving years for a down payment elsewhere.
FHA requires 3.5% down. Conventional loans start at 3% but need stronger credit. USDA is the only program with true zero down for non-veterans.
VA loans also offer zero down — but only for eligible veterans. If you're not a vet, USDA is your strongest no-down option in Weed.
Siskiyou County home prices run well below state averages. That keeps most Weed properties comfortably within USDA loan limits.
Rural areas like Weed can have appraisal gaps — fewer comps means the process takes longer. Build extra time into your purchase timeline.
Yes. Weed qualifies as a USDA-eligible rural area. Confirm eligibility for your specific address on the USDA property eligibility map.
USDA income limits vary by household size and county. Check the current limit for Siskiyou County on the USDA income eligibility site.
No. USDA Guaranteed loans require zero down payment. You may still need funds for closing costs unless the seller covers them.
Plan for 30-45 days minimum. Rural appraisals and USDA file reviews can add time compared to conventional closings.
The home must meet USDA's minimum property standards at closing. Major repairs needed upfront may disqualify the property.
Most lenders require a 640 score for automated approval. Below that, manual underwriting applies and approval gets harder.