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Tehama sits in the heart of Tehama County — rural, affordable, and USDA-eligible. That combination is rare in California.
Zero down financing in a low-cost rural market is a serious advantage. Most California buyers can't say that.
0%
Down Payment
640 preferred
Min Credit Score
By household size
Income Limit
30-45 days
Est. Close Time
Upfront + annual
Guarantee Fee
USDA Loans in Tehama
USDA loans require no down payment. You must meet household income limits set for Tehama County.
Credit score minimums vary by lender. Most want 640 or higher for automated underwriting approval.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Tehama.
Tehama sits in the heart of Tehama County — rural, affordable, and USDA-eligible. That combination is rare in California.
Zero down financing in a low-cost rural market is a serious advantage. Most California buyers can't say that.
USDA loans require no down payment. You must meet household income limits set for Tehama County.
Not every lender offers USDA loans. Rural markets like Tehama get ignored by big retail banks.
Wholesale lenders fill that gap. We work with 200+ lenders — several specialize in USDA rural programs.
USDA has two loan options: the guaranteed program through approved lenders, and direct loans from USDA itself. Most buyers use the guaranteed program.
Income limits trip up more borrowers than credit does. Every adult in the household counts — even if they're not on the loan.
FHA requires 3.5% down. Conventional requires at least 3%. USDA requires nothing. That's the clearest advantage.
USDA does carry an upfront guarantee fee and annual fee. FHA has similar costs. Run both scenarios before deciding.
Tehama is a small agricultural community. Property eligibility is strong here — most parcels qualify under USDA rural definitions.
Properties with acreage or agricultural use need extra review. USDA limits how much non-residential land it will finance.
Yes. Tehama is a rural community that falls within USDA-eligible territory. Confirm each property address on the USDA eligibility map.
USDA sets limits based on household size and county. Check the current USDA income eligibility tool — limits adjust periodically.
Possibly, but USDA scrutinizes large parcels. The land must be typical for the area and not primarily agricultural in use.
Expect 30-45 days. USDA loans require a conditional commitment from the USDA office, which adds time.
USDA charges an upfront guarantee fee and an annual fee. These replace traditional mortgage insurance but work similarly.
USDA requires homes to be in decent condition at closing. Significant repairs often need to be completed before the loan funds.