Question 1

Does Vacaville qualify for USDA loans?

Accepted Answer

Parts of Vacaville do qualify. Check the USDA eligibility map for the specific property address before moving forward.

Question 2

What is the income limit for USDA loans in Solano County?

Accepted Answer

Limits vary by household size. Solano County limits run higher than many rural counties — verify your number at the USDA income eligibility site.

Question 3

Can I use a USDA loan to buy a condo in Vacaville?

Accepted Answer

Condos can qualify, but the project must be USDA-approved. Single-family homes in eligible zones are simpler to close.

Question 4

How long does a USDA loan take to close?

Accepted Answer

Expect 30-45 days. Some files go to a USDA state office for a second review, which can add time.

Question 5

Is there a minimum loan amount for USDA in Vacaville?

Accepted Answer

USDA sets no minimum loan amount. The property price just needs to appraise and fall within eligible area boundaries.

Question 6

Can I roll closing costs into a USDA loan?

Accepted Answer

Only if the home appraises above the purchase price. Otherwise, negotiate seller concessions to cover closing costs.

USDA Loans in Vacaville, CA — Zero Down in Solano County