Question 1

Is Rio Vista actually USDA-eligible?

Accepted Answer

Yes, as of April 2026, Rio Vista is within a USDA-eligible area. Eligibility can shift after Census updates, so confirm before you start shopping.

Question 2

What income limit applies in Solano County?

Accepted Answer

USDA sets limits by household size for each county. Larger households get higher caps. Check the USDA income eligibility tool with your full household count.

Question 3

Do I need a down payment for a USDA loan?

Accepted Answer

No. USDA is one of the only programs with true zero down. You still need closing costs, though some can be financed or covered by seller credits.

Question 4

How long does a USDA loan take to close?

Accepted Answer

Plan for 45-60 days. USDA loans require Rural Development approval on top of normal underwriting. Start early if you're under contract.

Question 5

Can I buy a fixer-upper with a USDA loan?

Accepted Answer

The property must be in decent condition. USDA won't approve homes needing major repairs. A move-in ready or lightly used home is your best bet.

Question 6

Does USDA charge mortgage insurance?

Accepted Answer

Not traditional PMI. USDA charges a 1% upfront guarantee fee and 0.35% annual fee — both lower than FHA's mortgage insurance over time.

USDA Loans in Rio Vista, CA — Zero Down in a USDA-Eligible Area