Question 1

Does Yreka qualify for USDA loans?

Accepted Answer

Yes — Yreka and much of Siskiyou County fall within USDA-eligible zones. Always verify the specific property address on USDA's eligibility map.

Question 2

What are the income limits for USDA in Siskiyou County?

Accepted Answer

Limits vary by household size and are updated annually by USDA. Many moderate-income buyers in Yreka qualify — check current limits before ruling it out.

Question 3

Is there really no down payment with USDA?

Accepted Answer

Correct. USDA guaranteed loans require zero down payment. You still pay closing costs, though some can be financed or covered by seller concessions.

Question 4

How does USDA mortgage insurance compare to FHA?

Accepted Answer

USDA charges a 1% upfront fee and 0.35% annual fee. FHA charges 1.75% upfront and up to 0.85% annually — USDA is cheaper long-term.

Question 5

Can I use USDA to buy a fixer-upper in Yreka?

Accepted Answer

The property must meet USDA's minimum condition standards. Major structural issues can disqualify a home — it needs to be safe and move-in ready.

Question 6

How long does a USDA loan take to close?

Accepted Answer

USDA loans can take 30–45 days, sometimes longer if the file needs USDA's direct approval. Plan ahead if you're in a time-sensitive purchase.

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