Question 1

Is Healdsburg eligible for USDA loans?

Accepted Answer

Parts of Healdsburg may qualify. Check the USDA property eligibility map — rural designation varies by address.

Question 2

What credit score do I need for FHA in Sonoma County?

Accepted Answer

580 gets you 3.5% down. Scores between 500–579 require 10% down with most FHA lenders.

Question 3

Does USDA have a loan limit in Sonoma County?

Accepted Answer

USDA doesn't publish hard loan limits. Your income, debt load, and repayment ability determine the max loan size.

Question 4

Which loan has lower mortgage insurance costs?

Accepted Answer

USDA's annual fee is typically lower than FHA's MIP. Over a 30-year loan, that gap adds up.

Question 5

Can I use USDA if my income is too high?

Accepted Answer

No. USDA sets household income limits by county. Exceed the cap and you're out — FHA has no such limit.

Question 6

Which loan closes faster in practice?

Accepted Answer

FHA typically closes faster. USDA adds a step — USDA must issue a conditional commitment before closing.

FHA vs USDA Loans in Healdsburg, CA