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Dinuba sits squarely in USDA-eligible territory. That means qualified buyers can purchase here with zero down payment.
Tulare County's agricultural roots keep it on the USDA's eligible map. That's a real advantage for first-time buyers short on cash.
0%
Down Payment
640
Min Credit Score
1% of loan
Upfront Fee
0.35% / year
Annual Fee
30–45 days
Typical Close Time
USDA Loans in Dinuba
USDA loans have two hard requirements: location eligibility and income limits. Dinuba clears the location test. Income limits depend on household size.
Most lenders want a 640 credit score for automated approval. Below that, you'll need manual underwriting — more documentation, more time.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Dinuba.
Dinuba sits squarely in USDA-eligible territory. That means qualified buyers can purchase here with zero down payment.
Tulare County's agricultural roots keep it on the USDA's eligible map. That's a real advantage for first-time buyers short on cash.
USDA loans have two hard requirements: location eligibility and income limits. Dinuba clears the location test. Income limits depend on household size.
Not every lender does USDA loans. Many banks skip them entirely. You need someone who actually closes them regularly.
We work with 200+ wholesale lenders. Several specialize in USDA. That means faster approvals and fewer surprises at underwriting.
The USDA guarantee fee rolls into your loan. There's also an annual fee charged monthly. Factor both into your payment estimate.
Sellers can pay your closing costs under USDA guidelines. In Dinuba's market, it's worth asking — especially on longer-sitting listings.
FHA requires 3.5% down. Conventional needs at least 3%. USDA is the only program with true zero down for non-veterans.
VA beats USDA if you have military service — no guarantee fee, no income cap. Otherwise, USDA wins on upfront cost for eligible Dinuba buyers.
Dinuba is a small ag-community city. Properties here often include large lots or older construction. USDA appraisers flag deferred maintenance — know that going in.
Income limits in Tulare County run lower than coastal California. That actually helps Dinuba buyers qualify more easily than buyers in pricier metros.
Yes, Dinuba is in a USDA-eligible area as of April 2026. Always confirm before making an offer — eligibility maps do get updated.
USDA income limits vary by household size. Tulare County limits run lower than statewide averages, which works in most Dinuba buyers' favor.
No. A 640 score gets you automated underwriting. Below 640, manual underwriting is possible but requires more documentation.
USDA's annual fee is 0.35% — lower than FHA's 0.85%. Over time, that difference adds up significantly.
Only if the home meets USDA's minimum condition standards at closing. Major repairs must be done before or the loan won't close.
Expect 30-45 days with an experienced lender. Some USDA loans require a state agency review, which can add time.