Question 1

Does Winters, CA qualify for USDA loans?

Accepted Answer

Yes, Winters is designated as a USDA-eligible rural area. Nearby cities like Davis and Woodland are not eligible.

Question 2

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

Accepted Answer

Household income must stay at or below 115% of the Yolo County area median income. All household members' income is counted.

Question 3

Can I buy a farm or investment property with a USDA loan?

Accepted Answer

No. USDA loans are for primary residences only. The property must be your main home, not a rental or farm operation.

Question 4

Do USDA loans require mortgage insurance?

Accepted Answer

USDA charges an upfront guarantee fee and an annual fee — not traditional PMI. The upfront fee can be rolled into your loan amount.

Question 5

How long does USDA loan approval take in Winters?

Accepted Answer

Expect 30-45 days minimum. USDA requires lender approval plus a separate sign-off from the Rural Development office.

Question 6

What credit score do I need for a USDA loan?

Accepted Answer

Most USDA lenders require a 640 minimum. Some lenders will go lower, but manual underwriting kicks in and approval gets harder.

USDA Loans in Winters, CA — Zero Down in Yolo County