Question 1

Does Visalia qualify for USDA loans?

Accepted Answer

Parts of the Visalia area fall in USDA-eligible zones. Check the USDA property eligibility map — not every address qualifies.

Question 2

What credit score do I need for each loan?

Accepted Answer

FHA allows 580 with 3.5% down, or 500 with 10% down. Most USDA lenders want at least a 640 credit score.

Question 3

Can I use USDA if my income is too high?

Accepted Answer

No. USDA sets household income limits for Tulare County. If you exceed them, FHA is the better path.

Question 4

Which loan has lower monthly costs?

Accepted Answer

USDA typically carries lower mortgage insurance fees than FHA. But your rate and loan amount also affect the payment. Rates vary by borrower profile and market conditions.

Question 5

Can I buy a condo with either loan?

Accepted Answer

FHA approves specific condo projects. USDA generally requires single-family homes in eligible rural zones. Condos rarely qualify for USDA.

FHA vs USDA Loans in Visalia: Which Gets You In?