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Woodlake sits in Tulare County's San Joaquin Valley — exactly the kind of community USDA had in mind when it built this program.
Small cities like Woodlake often qualify for USDA eligibility. That means $0 down for buyers who meet income limits.
0%
Down Payment
640
Min Credit Score
1% of loan amount
Upfront Guarantee Fee
0.35% of balance
Annual Fee
30-45 days
Typical Close Time
USDA Loans in Woodlake
You need a 640 credit score for most automated approvals. Below that, manual underwriting is possible but harder to get done.
Income limits apply. USDA caps household income — not just the borrower's. Everyone in the home counts.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Woodlake.
Woodlake sits in Tulare County's San Joaquin Valley — exactly the kind of community USDA had in mind when it built this program.
Small cities like Woodlake often qualify for USDA eligibility. That means $0 down for buyers who meet income limits.
You need a 640 credit score for most automated approvals. Below that, manual underwriting is possible but harder to get done.
Not every lender does USDA. Plenty of banks offer it on paper but rarely close one. Experience matters here.
At SRK CAPITAL, we work with 200+ wholesale lenders. We know which ones actually close USDA deals in Tulare County.
USDA loans carry a guarantee fee — think of it like FHA's mortgage insurance. Part is upfront, part is annual.
The upfront fee rolls into the loan. Most buyers never pay it out of pocket. The annual fee adds to your monthly payment.
FHA needs 3.5% down. Conventional needs 3-20%. USDA needs zero. For buyers with tight savings, that gap is everything.
VA beats USDA if you're a veteran — no down, no annual fee. But USDA serves buyers VA can't touch.
Woodlake's location in Tulare County puts it squarely in territory where USDA eligibility is common. Always verify the specific property address before you fall in love with a home.
Valley towns like Woodlake have agricultural roots and modest price points. That combination makes USDA one of the strongest tools available to local buyers as of April 2026.
Many Woodlake properties do qualify. You must verify each address on the USDA eligibility map before assuming coverage.
USDA sets limits by household size and county. Check the current USDA income limit tool — limits update periodically.
The home must meet USDA condition standards. Major repairs or safety issues can cause the loan to be denied.
Expect 30-45 days minimum. USDA requires a second review by the Rural Development office, which adds time.
If you qualify on income and location, USDA wins — zero down beats FHA's 3.5%. Rates vary by borrower profile and market conditions.
Yes. USDA offers a streamline refinance for existing USDA borrowers. You must stay current on payments to qualify.