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Vacaville sits between Sacramento and the Bay Area. That location puts parts of it inside USDA-eligible zones.
USDA loans require zero down payment. For buyers stretched thin on savings, that's a real advantage in this market.
0%
Down Payment
640 typical
Min Credit Score
1% of loan
Upfront Fee
0.35% of balance
Annual Fee
30-45 days
Est. Close Time
USDA Loans in Vacaville
Most lenders want a 640 credit score for USDA loans. Some go lower, but expect more scrutiny below that mark.
USDA sets income limits by household size and county. Solano County limits are higher than many rural areas — confirm your number before assuming you qualify.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Vacaville.
Vacaville sits between Sacramento and the Bay Area. That location puts parts of it inside USDA-eligible zones.
USDA loans require zero down payment. For buyers stretched thin on savings, that's a real advantage in this market.
Most lenders want a 640 credit score for USDA loans. Some go lower, but expect more scrutiny below that mark.
Not every lender offers USDA loans. Fewer still know Solano County's eligible zones well.
At SRK CAPITAL, we work with 200+ wholesale lenders. We find the ones who actually close USDA deals in this area.
The biggest USDA mistake I see: buyers assume their address qualifies without checking. USDA eligibility maps update. Verify the property first.
USDA loans carry a guarantee fee — 1% upfront, 0.35% annual. Roll the upfront cost into the loan. The annual fee adds to your monthly payment.
FHA requires 3.5% down. USDA requires zero. If you qualify for both, USDA usually wins on upfront costs.
VA loans also offer zero down — but only for veterans. If you're not eligible for VA, USDA is the next best zero-down option.
Vacaville's outer neighborhoods and nearby unincorporated areas are more likely to hit USDA eligibility. Dense city-center parcels often don't qualify.
Solano County's income limits reflect the broader Bay Area economy. Higher earners may still qualify here versus stricter rural counties.
Parts of Vacaville do qualify. Check the USDA eligibility map for the specific property address before moving forward.
Limits vary by household size. Solano County limits run higher than many rural counties — verify your number at the USDA income eligibility site.
Condos can qualify, but the project must be USDA-approved. Single-family homes in eligible zones are simpler to close.
Expect 30-45 days. Some files go to a USDA state office for a second review, which can add time.
USDA sets no minimum loan amount. The property price just needs to appraise and fall within eligible area boundaries.
Only if the home appraises above the purchase price. Otherwise, negotiate seller concessions to cover closing costs.