Question 1

Does my Healdsburg address qualify for USDA?

Accepted Answer

Eligibility is property-specific. Check the USDA eligibility map or ask us to run it. Don't assume based on zip code alone.

Question 2

What income limit applies in Sonoma County for USDA?

Accepted Answer

Sonoma County limits are higher than the national baseline. Your full household income counts — not just the borrower's.

Question 3

How long does a USDA loan take to close?

Accepted Answer

Longer than conventional — expect 35-45 days minimum. USDA requires a second review by the agency before closing.

Question 4

Can I use USDA on a property with a guest house or ADU?

Accepted Answer

Possibly, but USDA has rules on income-producing units. The property must be primarily residential. Ask before you make an offer.

Question 5

Is USDA mortgage insurance cheaper than FHA?

Accepted Answer

Yes. USDA's annual fee runs lower than FHA's mortgage insurance premium. That saves money on your monthly payment every month.

Question 6

Can sellers pay closing costs on a USDA loan?

Accepted Answer

Yes. USDA allows seller concessions to cover closing costs. In a softer market, this can mean buying with almost nothing out of pocket.

USDA Loans in Healdsburg, CA — Zero Down in Wine Country