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Rio Vista sits in Solano County's rural corridor. That matters because USDA eligibility is tied to geography — and Rio Vista qualifies.
Zero down payment is rare in California. In most of the state, you need 3-20% to close. Rio Vista is an exception worth knowing about.
0%
Down Payment
640 (typical)
Min Credit Score
1% (financed)
Upfront Fee
0.35% of balance
Annual Fee
45-60 days
Typical Close Time
USDA Loans in Rio Vista
USDA loans have two hard limits: income and location. Your household income must fall within USDA's limit for Solano County — and Rio Vista must be your primary residence.
Credit-wise, most lenders want a 640 score for automated approval. Below that, you can still qualify, but expect manual underwriting and more documentation.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Rio Vista.
Rio Vista sits in Solano County's rural corridor. That matters because USDA eligibility is tied to geography — and Rio Vista qualifies.
Zero down payment is rare in California. In most of the state, you need 3-20% to close. Rio Vista is an exception worth knowing about.
USDA loans have two hard limits: income and location. Your household income must fall within USDA's limit for Solano County — and Rio Vista must be your primary residence.
Not every lender offers USDA loans. Big retail banks often skip them entirely. That's where a broker with wholesale access makes a real difference.
We work with 200+ wholesale lenders, including those who actively price USDA loans competitively. Rates vary by borrower profile and market conditions.
The USDA guarantee fee gets rolled into the loan. You pay 1% upfront at closing — but it's financed, not out of pocket. Annual fee is 0.35% of the balance.
USDA loans take longer than conventional. Budget 45-60 days minimum. Rural Development approval adds a step most lenders can't skip.
FHA requires 3.5% down and charges mortgage insurance for the life of the loan. USDA has no down payment and lower annual fees — if you qualify on income and location.
VA beats USDA for eligible veterans — no down, no annual fee. But VA is military-only. For civilian buyers in Rio Vista, USDA is often the stronger play.
Rio Vista's rural designation makes it USDA-eligible — but that status can change. USDA reviews eligibility maps after each Census. Lock in while the designation holds.
Solano County income limits apply here. A larger household gets a higher limit. Check your full household income, not just who's on the loan.
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.
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.
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.
Plan for 45-60 days. USDA loans require Rural Development approval on top of normal underwriting. Start early if you're under contract.
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.
Not traditional PMI. USDA charges a 1% upfront guarantee fee and 0.35% annual fee — both lower than FHA's mortgage insurance over time.