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Fillmore sits in the Santa Clara River Valley — and USDA considers it eligible rural territory. That matters a lot for buyers with limited cash.
Zero down payment financing is rare in California. USDA delivers it to buyers who qualify in towns exactly like Fillmore.
0%
Down Payment
640
Min Credit Score
Single-Family Only
Property Type
By Household Size
Income Limit
30-45 Days
Est. Close Time
USDA Loans in Fillmore
USDA has two hard requirements: the property must be in an eligible area, and your income must fall under the county limit. Both apply here.
Most USDA lenders want a 640 credit score. Debt-to-income ratio — what you owe monthly vs. what you earn — typically needs to stay under 41%.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Fillmore.
Fillmore sits in the Santa Clara River Valley — and USDA considers it eligible rural territory. That matters a lot for buyers with limited cash.
Zero down payment financing is rare in California. USDA delivers it to buyers who qualify in towns exactly like Fillmore.
USDA has two hard requirements: the property must be in an eligible area, and your income must fall under the county limit. Both apply here.
Not every lender handles USDA loans. The approval process runs through USDA's Rural Development office, which adds a step most banks skip.
We work with wholesale lenders who close USDA loans regularly. That experience cuts down on delays from lenders learning the process on your file.
USDA loans carry an upfront guarantee fee and an annual fee — think of these like FHA's mortgage insurance. Budget for both.
The upfront fee can be rolled into the loan balance. You won't need extra cash at closing just to cover it.
FHA requires 3.5% down. Conventional loans want 3-20%. USDA is the only program offering zero down without military service.
VA beats USDA for veterans — no income limits, no annual fee. But if you're not a vet, USDA is your strongest zero-down option in Fillmore.
Fillmore's rural designation is what makes this program work here. Not every Ventura County city qualifies — Fillmore does.
As of April 2026, Ventura County income limits apply to your household. Larger households get higher limits, which helps families in this area.
Yes. Fillmore holds USDA rural area eligibility as of April 2026. Confirm eligibility on USDA's property lookup tool before making an offer.
USDA sets limits by household size and county. Larger households get higher limits. Check the current Ventura County figures with your broker.
Zero down, yes. You'll still pay closing costs unless the seller covers them. The upfront guarantee fee rolls into your loan balance.
Longer than conventional — plan for 30-45 days minimum. USDA's Rural Development office must approve the file after your lender does.
No. USDA is strictly for single-family primary residences. Investment properties and duplexes are not eligible.
If you qualify on income, USDA wins — zero down vs. 3.5%, and annual fees are often lower. Rates vary by borrower profile and market conditions.