Question 1

Does West Sacramento qualify for USDA loans?

Accepted Answer

It depends on the exact address. Some Yolo County areas qualify, but denser West Sacramento neighborhoods often don't. Check the USDA eligibility map first.

Question 2

What is the income limit for USDA loans in Yolo County?

Accepted Answer

Limits vary by household size and are set by USDA annually. A broker can pull the current limit for your specific situation.

Question 3

Is there really no down payment with a USDA loan?

Accepted Answer

Correct — zero down on the purchase price. You still pay closing costs, though some can be rolled in or covered by seller concessions.

Question 4

How long does USDA loan approval take?

Accepted Answer

Longer than FHA or conventional. USDA requires a second review by the agency. Budget extra time — 30 to 45 days is common at minimum.

Question 5

Can I use a USDA loan to buy a duplex in West Sacramento?

Accepted Answer

No. USDA is for single-family primary residences only. Multi-unit properties are not eligible.

Question 6

What fees come with a USDA loan?

Accepted Answer

There's an upfront guarantee fee and an annual fee built into monthly payments. Both are lower than FHA mortgage insurance for most borrowers. Rates vary by borrower profile and market conditions.

USDA Loans in West Sacramento: Zero Down, Real Eligibility