Question 1

Does Fillmore qualify for USDA loans?

Accepted Answer

Yes. Fillmore holds USDA rural area eligibility as of April 2026. Confirm eligibility on USDA's property lookup tool before making an offer.

Question 2

What income limits apply in Ventura County?

Accepted Answer

USDA sets limits by household size and county. Larger households get higher limits. Check the current Ventura County figures with your broker.

Question 3

Do I really pay zero at closing?

Accepted Answer

Zero down, yes. You'll still pay closing costs unless the seller covers them. The upfront guarantee fee rolls into your loan balance.

Question 4

How long does USDA approval take?

Accepted Answer

Longer than conventional — plan for 30-45 days minimum. USDA's Rural Development office must approve the file after your lender does.

Question 5

Can I buy a multi-unit property with USDA?

Accepted Answer

No. USDA is strictly for single-family primary residences. Investment properties and duplexes are not eligible.

Question 6

Is USDA better than FHA for Fillmore buyers?

Accepted Answer

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.

USDA Loans in Fillmore, CA — Zero Down in Ventura County