Question 1

What income counts toward USDA limits in Exeter?

Accepted Answer

All household members over 18 count, even if they're not on the loan. This includes adult children still living at home.

Question 2

Can I buy a fixer-upper with USDA financing?

Accepted Answer

The property must be move-in ready at closing. USDA doesn't allow renovation contingencies or repair escrows beyond minor fixes.

Question 3

How long does USDA approval take in Tulare County?

Accepted Answer

Expect 35-45 days total. The conditional approval comes quickly but final USDA sign-off adds 7-10 days.

Question 4

Do USDA loans work for homes on well water?

Accepted Answer

Yes, but the well needs testing for flow rate and water quality. Contamination or inadequate production kills the deal.

Question 5

Can sellers pay all my closing costs with USDA?

Accepted Answer

Sellers can contribute up to 6% of the purchase price. That typically covers your entire closing cost burden.

USDA Loans in Exeter: Zero Down Payment Options for Tulare County Buyers