Question 1

What parts of Santa Rosa qualify for USDA loans?

Accepted Answer

Eastern areas near Highway 101 and pockets toward Rohnert Park often qualify. Most established Santa Rosa neighborhoods don't meet USDA rural criteria anymore.

Question 2

Can I use a USDA loan if I make $120,000 per year?

Accepted Answer

Not for a family of four in Sonoma County—income limits sit around $110,000. FHA loans have no income cap and may fit better.

Question 3

Why do USDA loans take longer to close?

Accepted Answer

USDA requires government underwriting after lender approval. This adds two to three weeks compared to conventional or FHA timelines.

Question 4

Do USDA loans cover condos in Santa Rosa?

Accepted Answer

Only if the condo is in a USDA-eligible zone and meets project approval requirements. Most Santa Rosa condos don't qualify based on location alone.

Question 5

What credit score do I need for USDA approval?

Accepted Answer

Most lenders require 640 minimum. Lower scores sometimes work with compensating factors like low debt ratios or cash reserves.

Question 6

Can I refinance into a USDA loan later?

Accepted Answer

USDA offers streamline refinances for existing USDA borrowers. You can't refinance an FHA or conventional loan into USDA—purchase only for non-USDA loans.

USDA Loans in Santa Rosa: Zero Down in Eligible Sonoma County Areas