Question 1

Does Ojai qualify for USDA loans?

Accepted Answer

Much of Ojai falls within USDA rural eligibility zones. Confirm your specific address on the USDA property eligibility map before making an offer.

Question 2

What is the income limit for USDA in Ventura County?

Accepted Answer

Ventura County limits are higher than the national baseline. Exact caps depend on household size — we can check your number fast.

Question 3

Is there really zero down with a USDA loan?

Accepted Answer

Yes. USDA guaranteed loans require no down payment. You still pay closing costs, though some can be rolled in or covered by seller concessions.

Question 4

How long does a USDA loan take to close?

Accepted Answer

USDA loans typically take 30-45 days, sometimes longer. The loan goes through an extra USDA review step that adds time.

Question 5

Can I use USDA to buy a fixer-upper in Ojai?

Accepted Answer

The property must be in decent condition to pass USDA's standards. Major fixer-uppers usually don't clear the appraisal requirements.

Question 6

What's the USDA guarantee fee?

Accepted Answer

There's a 1% upfront guarantee fee and an annual fee around 0.35%. The upfront fee rolls into your loan — you don't pay it at closing.

USDA Loans in Ojai, CA — Zero Down in a Rural Valley