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Suisun City sits in Solano County, an area USDA has historically designated as eligible for its rural home loan program. That matters — zero down financing is rare, and this is one of the few places in the Bay Area corridor where it applies.
USDA eligibility boundaries shift periodically. Before you fall in love with a property, verify the address qualifies on the USDA eligibility map.
0%
Down Payment
640 (automated)
Min Credit Score
Primary residence only
Occupancy
Varies by household size
Income Limit
30–45 days
Est. Close Time
USDA Loans in Suisun City
USDA loans have two hard requirements: the property must be in an eligible area, and your income must fall under the county limit. In Solano County, those limits vary by household size.
Credit-wise, most lenders want a 640 score for automated approval. You can go lower, but expect manual underwriting — slower and harder to get through.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Suisun City.
Suisun City sits in Solano County, an area USDA has historically designated as eligible for its rural home loan program. That matters — zero down financing is rare, and this is one of the few places in the Bay Area corridor where it applies.
USDA eligibility boundaries shift periodically. Before you fall in love with a property, verify the address qualifies on the USDA eligibility map.
USDA loans have two hard requirements: the property must be in an eligible area, and your income must fall under the county limit. In Solano County, those limits vary by household size.
Not every lender is approved to originate USDA loans. You need a USDA-approved lender — and not all of them move fast or know rural programs well.
As a broker with access to 200+ wholesale lenders, we know which ones close USDA loans on time. Some lenders drag these out 60+ days. Others routinely hit 30.
The biggest mistake I see? Buyers don't check income eligibility early enough. USDA counts all household income — not just the borrower on the loan. A working spouse or adult child living at home can push you over the limit.
USDA loans carry an upfront guarantee fee and an annual fee. Both are lower than FHA mortgage insurance. Run the side-by-side comparison before assuming FHA is cheaper.
FHA requires 3.5% down. Conventional wants at least 3%, and you'll pay PMI without 20% down. USDA is the only standard program with true zero down and no PMI — just the annual guarantee fee.
VA beats USDA if you've served — no fees, no income limits. But if you don't have VA eligibility, USDA is the strongest low-cash option available in qualifying Solano County areas.
Suisun City is a commuter town for Sacramento and the Bay Area. That demand keeps prices moving. USDA's income limits don't always stretch to cover dual-income households in this zone — something to check early.
Solano County has seen USDA boundary reviews before. As of April 2026, portions of Suisun City have maintained eligibility, but this can change. Lock in your address check now, not later.
Parts of Suisun City have qualified under USDA rural guidelines. Verify each specific property address on the USDA eligibility map before proceeding.
Limits vary by household size and are set by USDA annually. Check the current Solano County limit directly on the USDA income eligibility tool.
No down payment is required. USDA is one of the only programs offering 100% financing for eligible buyers.
No. USDA loans are for single-family primary residences only. Duplexes and investment properties don't qualify.
Expect 30 to 45 days with an experienced lender. USDA loans require an extra approval step that adds time if your lender is inexperienced.
Most lenders require 640 for automated underwriting. Lower scores require manual review, which is slower and harder to approve.