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in Windsor, CA
Windsor sits in a unique spot where both FHA and USDA loans work, giving you two strong low-down-payment options. The right choice depends on your savings, income, and which property you're targeting.
FHA accepts almost any property type in Windsor with just 3.5% down. USDA requires zero down but limits which homes qualify and caps your household income.
FHA loans let you buy anywhere in Windsor with 580 credit and 3.5% down. You'll pay mortgage insurance for life on most loans, but approval odds beat conventional financing.
These loans work for single-family homes, condos, and townhomes throughout Windsor. Sellers accept them readily since they're backed by the Federal Housing Administration.
USDA loans require zero down payment if you meet income limits and buy in eligible Windsor zones. Credit standards are flexible, and mortgage insurance costs less than FHA.
Not every Windsor property qualifies since USDA targets less-dense areas. Income caps vary by household size but generally run around $120,000 for a family of four in Sonoma County.
Down payment separates these programs first. FHA needs 3.5% saved while USDA needs nothing but restricts where you can buy and how much you earn.
Mortgage insurance costs less with USDA and can eventually drop off. FHA insurance sticks around for the loan's life unless you put down 10% or more. Property eligibility matters too—FHA accepts everything, USDA limits you to qualifying zones.
Choose USDA if you have minimal savings, earn under the income cap, and can find a home in eligible Windsor areas. You'll skip the down payment entirely and pay less in monthly insurance.
Pick FHA if you earn too much for USDA, need to buy in restricted zones, or want faster closing timelines. More sellers accept FHA because any property type qualifies and there's no income verification delay.
No, only properties in USDA-eligible zones qualify. Check the USDA map or ask us which Windsor neighborhoods work before you start shopping.
Limits change by household size but typically cap around $120,000 for four people. We verify current limits when you apply since they adjust annually.
Only if you put down 10% or more at purchase—then it drops after 11 years. Standard 3.5% down loans carry insurance for life.
FHA usually closes quicker since there's no income limit verification or property eligibility mapping. USDA adds 1-2 weeks for that review process.
Yes, if your home is in a USDA zone and you still meet income limits. Many borrowers do this to eliminate the down payment on their next purchase.