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Weaverville sits in Trinity County's rural heartland, where $200,000 buys a solid single-family home. At 6.125%, that purchase runs $1,215 monthly for principal and interest alone.
Trinity County's median household income of $53,498 stretches further in Weaverville than in coastal California. A $200,000 home on that income is achievable with USDA's income limits (115% of area median).
6.125%
Interest Rate
$1,215
Monthly P&I
740
FICO Minimum
$0
Down Payment
0.35%
Annual Fee
30-45 days
Closing Timeline
USDA Loans in Weaverville
USDA loans in Weaverville require a 740 FICO minimum and zero down payment. Income limits cap at 115% of Trinity County's area median—roughly $61,523 for a household of four. That income ceiling is the real gatekeeper, not credit or down payment.
A $200,000 purchase on a $53,498 county median income works because the debt-to-income ratio stays manageable. USDA allows up to 43% DTI, and at $1,215 monthly P&I, a household earning $53,498 stays well within that.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Weaverville.
Weaverville sits in Trinity County's rural heartland, where $200,000 buys a solid single-family home. At 6.125%, that purchase runs $1,215 monthly for principal and interest alone.
Trinity County's median household income of $53,498 stretches further in Weaverville than in coastal California. A $200,000 home on that income is achievable with USDA's income limits (115% of area median).
USDA loans in Weaverville require a 740 FICO minimum and zero down payment. Income limits cap at 115% of Trinity County's area median—roughly $61,523 for a household of four. That income ceiling is the real gatekeeper, not credit or down payment.
USDA loans are less common than conventional or FHA in California, but they're widely available through brokers and portfolio lenders. The USDA guarantee (25% of the loan) makes them attractive to lenders, so rates stay competitive.
Closing timelines run 30-45 days for USDA loans in rural California. The appraisal must confirm the property qualifies (no urban sprawl, no commercial zoning).
USDA financing wins in Weaverville when a buyer's income sits between $45,000 and $61,500 and they have no down payment saved. Below $45,000, the debt-to-income ratio tightens.
The 0.35% annual fee ($700 on a $200,000 loan) compounds over 30 years. If a buyer can scrape together even 5% down, conventional PMI might cost less over the life of the loan.
USDA vs. FHA in Weaverville: FHA allows 3.5% down and goes up to $541,287 (well above Weaverville's typical price). But FHA requires mortgage insurance for life if you put down less than 10%.
FHA rates run slightly lower than USDA, but the lifetime mortgage insurance erases that advantage. On a $200,000 USDA loan, you pay 0.35% annually ($700/year).
Trinity County's population of 15,886 means Weaverville is genuinely rural—no sprawl, no commercial zoning creep. That rural character is why USDA loans work here.
Recent USDA guideline updates (covered by Mortgage News Daily) have loosened some income verification rules, making qualification faster.
No—you can put down 5-10% if you have the cash. But USDA's main advantage is zero-down financing. If you have savings, conventional might cost less over 30 years because you'd skip PMI. USDA shines if you have no down payment.
Principal and interest run $1,215/month at 6.125% (as of April 13, 2026). Add property taxes, insurance, and the 0.35% annual USDA fee. On a $200,000 loan, that fee is about $58/month.
Yes, if your household income exceeds $61,523 (115% of Trinity County's median). Below that, you're eligible. Trinity County's median is $53,498, so most local buyers fall within the limit. Call to verify your specific household size and income.
Only if the property is in a USDA-eligible rural area. Weaverville qualifies, but nearby towns may not. The appraisal confirms eligibility—if the property is too close to urban zoning or commercial development, it fails. Check before making an offer.
No—USDA has no mortgage insurance. The 0.35% annual fee ($700 on $200,000) is much cheaper than FHA's lifetime insurance. Over 30 years, that fee totals about $21,000.