Question 1

Which Rohnert Park areas qualify for USDA loans?

Accepted Answer

Most residential zones qualify except downtown and areas near Sonoma State. We verify eligibility before you tour properties to avoid wasted time.

Question 2

What's the income limit for USDA loans in Sonoma County?

Accepted Answer

Limits adjust by household size — around $110,000 for four people as of early 2026. Income includes all working adults in the home, not just borrowers.

Question 3

How long does USDA loan approval take in Rohnert Park?

Accepted Answer

Expect 30-45 days with experienced lenders. We recommend 45-day close timelines when writing offers to give USDA processing enough runway.

Question 4

Can I use USDA financing on condos in Rohnert Park?

Accepted Answer

Yes, if the condo is in an eligible zone and USDA-approved. Most Rohnert Park condo complexes qualify, but we verify before you make offers.

Question 5

Do USDA loans require mortgage insurance in Rohnert Park?

Accepted Answer

Yes — 0.35% annually plus a 1% upfront fee rolled into the loan. Still cheaper than FHA's 0.55% annual premium for most borrowers.

USDA Loans in Rohnert Park: Zero Down in Sonoma County