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Patterson sits in Stanislaus County — and parts of it qualify for USDA financing. That means zero down payment for eligible buyers.
USDA eligibility is tied to geography and income. Patterson's location makes it worth checking before assuming you need a conventional loan.
640
Min Credit Score
0%
Down Payment
Primary Only
Occupancy
Lower than FHA
Mortgage Insurance
Longer than FHA
Close Timeline
USDA Loans in Patterson
USDA requires a 640 credit score with most lenders. Below that, manual underwriting is possible but harder to find.
Household income must stay under the USDA limit for Stanislaus County. That limit covers everyone in the home — not just 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 Patterson.
Patterson sits in Stanislaus County — and parts of it qualify for USDA financing. That means zero down payment for eligible buyers.
USDA eligibility is tied to geography and income. Patterson's location makes it worth checking before assuming you need a conventional loan.
USDA requires a 640 credit score with most lenders. Below that, manual underwriting is possible but harder to find.
Not every lender offers USDA. Many retail banks skip it entirely. Wholesale lenders we access are more likely to have active USDA programs.
USDA loans take longer to close than FHA or conventional. Expect USDA Rural Development to add processing time beyond the lender's own timeline.
The biggest mistake I see: buyers assume they don't qualify because they think Patterson is too urban. Run the address — you may be surprised.
USDA has two fees: an upfront guarantee fee and an annual fee. Both are lower than FHA's mortgage insurance. That monthly savings adds up fast.
FHA requires 3.5% down. USDA requires zero. On a $400,000 home, that's $14,000 you keep in your pocket.
VA is also zero down — but only for veterans. USDA opens that zero-down door to non-military buyers who meet location and income rules.
Patterson is a smaller Central Valley city. That geography is exactly what USDA targets. Eligibility zones can change — confirm your address before you make an offer.
Stanislaus County income limits are lower than Bay Area counties. Buyers relocating from higher-cost areas sometimes get caught by this. Know the cap before you shop.
Parts of Patterson are USDA-eligible. Use the USDA eligibility map to check your specific address before making an offer.
USDA sets income limits by household size for each county. Check the current USDA Rural Development limits for Stanislaus County directly.
Correct — zero down payment. You still pay closing costs, though some sellers will cover those in negotiation.
Longer than FHA or conventional. USDA Rural Development adds a review layer. Budget extra weeks beyond a standard 30-day close.
No. USDA requires owner-occupancy. The home must be your primary residence.
Most USDA lenders require 640. Below that, manual underwriting may apply — but fewer lenders will take it on.