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Moorpark sits in eastern Ventura County. Parts of the city fall within USDA-eligible zones — which surprises most buyers.
USDA loans offer zero down payment. That's a real advantage in a high-cost county where saving a down payment takes years.
0%
Down Payment
640
Min Credit Score
1% of loan amount
Upfront Guarantee Fee
0.35% of loan balance
Annual Fee
30-45 days
Typical Close Time
USDA Loans in Moorpark
USDA has two hard requirements: the property must be in an eligible area, and your income must fall within county limits.
Most lenders want a 640 credit score for automated approval. Below that, manual underwriting is possible but much harder to get done.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Moorpark.
Moorpark sits in eastern Ventura County. Parts of the city fall within USDA-eligible zones — which surprises most buyers.
USDA loans offer zero down payment. That's a real advantage in a high-cost county where saving a down payment takes years.
USDA has two hard requirements: the property must be in an eligible area, and your income must fall within county limits.
Not every lender offers USDA loans. Many banks skip the program entirely because volume is low and processing takes longer.
We work with wholesale lenders who actively close USDA deals. That matters when your timeline is tight.
The biggest USDA mistake buyers make: falling in love with a house before checking the eligibility map. Do the map check first.
USDA also charges an upfront guarantee fee and an annual fee. Both are lower than FHA's mortgage insurance — that matters long-term.
FHA requires 3.5% down. VA requires zero down but demands military eligibility. USDA is the only zero-down path for civilian buyers.
Conventional loans at zero down exist but require strong credit and private mortgage insurance. USDA's fees usually beat that combination.
Ventura County USDA eligibility boundaries shift over time as census data updates. An address that qualified last year may not qualify today.
Moorpark's suburban edges near Tierra Rejada and the 118 corridor have historically included eligible pockets. Verify every address individually.
Parts of Moorpark fall within USDA-eligible zones. Check every address on the USDA eligibility map before assuming you qualify.
USDA sets income limits by county and household size. Ventura County limits are higher than many inland counties — check the USDA site for current figures.
Yes. USDA finances 100% of the purchase price. You still need funds for closing costs unless the seller agrees to cover them.
USDA loans typically take 30-45 days. Rural Development must issue a final commitment, which adds time compared to conventional loans.
Most USDA lenders require a 640 score for automated approval. Below that, manual underwriting is an option but approval becomes significantly harder.
USDA charges a 1% upfront guarantee fee and a 0.35% annual fee. Both are lower than FHA's upfront and monthly mortgage insurance costs.