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Yuba City sits in Sutter County's Sacramento Valley — and much of this area qualifies for USDA financing. That means zero down payment on a real home purchase.
USDA eligibility depends on location and income, not just credit. Sutter County's suburban character makes it a strong fit for this program.
640
Min Credit Score
0%
Down Payment
1.00%
Upfront Guarantee Fee
0.35%
Annual Fee
Primary Only
Occupancy Requirement
USDA Loans in Yuba City
You need a 640 credit score to get through USDA's automated underwriting. Below that, manual underwriting is possible but harder to place.
Household income must stay under USDA's county limit for your family size. In Sutter County, those limits are moderate — check before you assume you qualify.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Yuba City.
Yuba City sits in Sutter County's Sacramento Valley — and much of this area qualifies for USDA financing. That means zero down payment on a real home purchase.
USDA eligibility depends on location and income, not just credit. Sutter County's suburban character makes it a strong fit for this program.
You need a 640 credit score to get through USDA's automated underwriting. Below that, manual underwriting is possible but harder to place.
Not every lender offers USDA. Many big banks skip it entirely. You need a lender approved through USDA's Guaranteed Loan Program.
At SRK CAPITAL, we work with 200+ wholesale lenders. Several actively compete on USDA pricing — that matters when you're comparing rates. Rates vary by borrower profile and market conditions.
The biggest USDA mistake I see: buyers assume they qualify on location alone. Income limits trip up more deals than property eligibility.
USDA loans carry a guarantee fee — 1% upfront, 0.35% annual. It's lower than FHA's mortgage insurance in most scenarios. Run the actual numbers before picking FHA by default.
FHA requires 3.5% down. VA requires zero but is military-only. USDA is the only zero-down path for civilian buyers in eligible areas.
Conventional loans need 3-5% down minimum. If you're buying in a USDA-eligible part of Yuba City, skipping that down payment is a real financial advantage.
Yuba City's agricultural roots and suburban density put parts of it inside USDA eligibility maps. Verify the specific address before falling in love with a property.
Sutter County's relatively moderate home prices work in your favor here. USDA loan limits are tied to area median income, not a hard price cap — but affordability in this market helps.
Parts of Yuba City and surrounding Sutter County fall within USDA-eligible zones. Check the USDA eligibility map using the property's exact address.
Limits depend on household size and are set by USDA for Sutter County specifically. Confirm current limits at usda.gov before assuming you qualify.
No. USDA's Guaranteed Loan Program requires zero down payment. Closing costs may apply but can sometimes be covered by seller concessions.
USDA offers zero down and lower ongoing mortgage insurance than FHA. FHA has no geographic restrictions — USDA requires the property to be in an eligible area.
Most USDA lenders require a 640 credit score for automated approval. Lower scores may qualify through manual underwriting with a strong overall file.
No. USDA loans are for primary residences only. You must intend to occupy the home as your main residence.