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Yreka sits in Siskiyou County — and most of this area qualifies for USDA financing. That means zero down payment for eligible buyers.
Rural Northern California is exactly what USDA was built for. Yreka borrowers have real access to one of the strongest government loan programs available.
0%
Down Payment
640 (preferred)
Min Credit Score
1% upfront
Guarantee Fee
0.35% of balance
Annual Fee
30–45 days
Typical Close Time
USDA Loans in Yreka
USDA has two main requirements: the property must be in an eligible area, and your income must fall under the local limit. Both matter equally.
Credit standards are flexible. Most lenders want a 640 score for automated approval, but manual underwriting is possible below that. Rates vary by borrower profile and market conditions.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Yreka.
Yreka sits in Siskiyou County — and most of this area qualifies for USDA financing. That means zero down payment for eligible buyers.
Rural Northern California is exactly what USDA was built for. Yreka borrowers have real access to one of the strongest government loan programs available.
USDA has two main requirements: the property must be in an eligible area, and your income must fall under the local limit. Both matter equally.
Not every lender does USDA. Many big banks skip it entirely. You need a lender approved through USDA's guaranteed loan program.
At SRK CAPITAL, we work with 200+ wholesale lenders — several specialize in USDA for rural California markets like Yreka. We shop them all for you.
The biggest USDA mistake I see: buyers assume they earn too much. The income limits are higher than most people think, especially for larger households.
USDA also has an upfront guarantee fee and annual fee — similar to FHA's mortgage insurance. Factor those into your payment comparison, not just the rate.
FHA requires 3.5% down. USDA requires zero. For a $300,000 home in Yreka, that's $10,500 you keep in your pocket.
VA is still the gold standard if you qualify — no down payment and no mortgage insurance. But USDA is the next best option for non-veterans buying in rural areas.
Siskiyou County's rural character works in your favor here. Much of the county — including Yreka — falls within USDA's eligible zone maps.
Always verify the specific parcel. USDA eligibility is address-based. A property one mile outside the boundary won't qualify, even if the next street over does.
Yes — Yreka and much of Siskiyou County fall within USDA-eligible zones. Always verify the specific property address on USDA's eligibility map.
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.
Correct. USDA guaranteed loans require zero down payment. You still pay closing costs, though some can be financed or covered by seller concessions.
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.
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.
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.