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Hughson sits in Stanislaus County — squarely in USDA-eligible territory. That means zero down payment financing is on the table for qualified buyers.
This is a small agricultural city. USDA was built for places exactly like this, and many Hughson properties pass the geographic eligibility check.
0%
Down Payment Required
640 (most lenders)
Min Credit Score
Lower than FHA MIP
Mortgage Insurance
30–45 days typical
Approval Timeline
Primary residence only
Property Use
USDA Loans in Hughson
USDA has two requirements that trip people up: income limits and property location. Both must pass before anything else matters.
Income limits vary by household size and county. Stanislaus County limits are set by USDA annually — your gross household income must stay under the cap, not just the borrowers on the loan.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Hughson.
Hughson sits in Stanislaus County — squarely in USDA-eligible territory. That means zero down payment financing is on the table for qualified buyers.
This is a small agricultural city. USDA was built for places exactly like this, and many Hughson properties pass the geographic eligibility check.
USDA has two requirements that trip people up: income limits and property location. Both must pass before anything else matters.
Not every lender offers USDA loans. Many retail banks skip them entirely. You need a lender with an active USDA approval and experience closing these in California.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several specialize in USDA programs for Central Valley buyers. That gives you real options, not a single take-it-or-leave-it offer.
USDA has a guarantee fee — think of it like FHA's mortgage insurance, but structured differently. There's an upfront fee and an annual fee rolled into your payment.
As of April 2026, USDA upfront guarantee fees and annual fees are set by the program. They're lower than FHA mortgage insurance for most borrowers. That matters for your monthly payment.
FHA requires 3.5% down. Conventional requires at least 3%, and PMI hits hard without 20%. USDA requires zero down — that's a real structural advantage for cash-strapped buyers.
VA beats USDA if you have eligibility. No down payment, no monthly mortgage insurance. But VA is for veterans only. USDA is the next best zero-down option for civilians in eligible areas.
Hughson's small-town footprint works in your favor. The city's low density and agricultural surroundings keep most addresses inside USDA's eligible zone map.
Always verify your specific address on the USDA eligibility map before going under contract. Boundary lines shift when USDA updates rural designations — and Stanislaus County has seen changes before.
Most of Hughson falls within USDA-eligible boundaries. Verify your specific property address on the official USDA eligibility map before making an offer.
USDA sets limits by household size and county each year. Your entire household's gross income counts — not just the borrowers named on the loan.
The property must meet USDA condition standards. Major repairs or health and safety issues can delay or kill approval.
USDA loans require a second approval from the USDA Rural Development office. Budget extra time — typically 30 to 45 days versus standard conventional timelines.
There's no USDA minimum loan amount. The max follows county-level guidelines set by the program annually.
Most USDA lenders require a 640 score for automated underwriting. Scores below that may qualify through manual underwriting with a strong file.