Question 1

Is Cotati eligible for USDA loans?

Accepted Answer

Parts of Cotati may fall within USDA-eligible zones. You need to run your specific address through the USDA eligibility map to confirm.

Question 2

What income limits apply in Sonoma County?

Accepted Answer

USDA sets limits by county and household size. Sonoma County limits are higher than most rural areas — check the current USDA chart for your family size.

Question 3

How long does a USDA loan take to close in California?

Accepted Answer

USDA loans run slower than conventional. In Sonoma County, budget 45-60 days. State agency processing adds time.

Question 4

Can I use USDA to buy a house with no money at all?

Accepted Answer

USDA covers the purchase price with zero down. Closing costs still apply, but sellers can pay them under USDA guidelines.

Question 5

Does USDA require mortgage insurance?

Accepted Answer

Yes — there's an upfront guarantee fee and an annual fee. Both cost less than FHA mortgage insurance over the life of the loan.

Question 6

Can I use a USDA loan on a fixer-upper in Cotati?

Accepted Answer

Standard USDA loans require the home to be in good condition. The property must meet minimum USDA standards at closing.

USDA Loans in Cotati, CA — Zero Down in Sonoma County