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Woodland sits in Yolo County's agricultural heartland, where USDA-eligible properties offer a genuine zero-down path to ownership. At 6.125%, a $200,000 purchase runs $1,215 monthly in principal and interest alone—no down payment required for qualified buyers.
The county's median household income of $88,818 stretches comfortably here. USDA loans reward stable income over large savings, making them ideal for buyers who've built equity elsewhere or are relocating to the region for work.
6.125%
Interest Rate
$1,215
Monthly P&I
740
FICO Minimum
$0
Down Payment
$102,000
Income Limit
45–60 days
Closing Timeline
USDA Loans in Woodland
USDA loans require a 740 FICO minimum and zero down payment. Income limits cap at 115% of Yolo County's median—roughly $102,000 for a household of four.
Debt-to-income typically maxes at 41-43%. The county's $88,818 median income means most working households qualify. Upfront and annual fees replace PMI: 1% upfront ($2,000 on a $200K loan) and 0.35% annually ($700 year one, declining as you pay down).
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Woodland.
Woodland sits in Yolo County's agricultural heartland, where USDA-eligible properties offer a genuine zero-down path to ownership. At 6.125%, a $200,000 purchase runs $1,215 monthly in principal and interest alone—no down payment required for qualified buyers.
The county's median household income of $88,818 stretches comfortably here. USDA loans reward stable income over large savings, making them ideal for buyers who've built equity elsewhere or are relocating to the region for work.
USDA loans require a 740 FICO minimum and zero down payment. Income limits cap at 115% of Yolo County's median—roughly $102,000 for a household of four.
USDA loans move slower than conventional mortgages because the USDA guarantees the loan and reviews the property for eligibility. Most lenders in California handle USDA, but brokers often beat retail banks on rate and flexibility. Expect a 45-60 day close.
The USDA's rural-property rules are strict—no properties within city limits or dense suburban areas. Woodland itself qualifies, but your specific address must clear USDA's eligibility map.
USDA makes sense in Woodland if you're buying under $200K and your household income sits between $60K and $102K. Below that income, you're cash-constrained anyway. Above it, conventional 5% down often beats USDA's annual fee drag over 10+ years.
The math flips at higher prices. A $300K USDA loan carries $1,050 in annual fees forever—that's real money. Conventional with 5% down ($15K) and PMI ($150/month) cancels at 78% LTV in five years. For Woodland's price range, USDA's zero-down advantage wins.
FHA loans also go zero-down in Woodland, but FHA requires mortgage insurance for life if you put down less than 10%. USDA has no PMI and no insurance—just a one-time 1% fee and 0.35% annual.
Conventional 5% down ($10K) carries PMI until 78% LTV, usually five to seven years. USDA's zero-down and no-PMI structure wins for buyers who have zero savings but stable income. FHA makes sense only if you're putting 10%+ down and want a lower rate.
Woodland's location on I-5 between Sacramento and the Bay Area makes it a magnet for remote workers and commuters. USDA eligibility here means you can buy without depleting savings—critical for buyers relocating for jobs in tech or state government.
The county's agricultural economy and stable employment base support USDA's income-verification process. Lenders see Yolo County as low-risk for rural lending, which means faster approvals and fewer surprises during underwriting.
Yes — USDA loans require zero down payment. You can put money down if you want, but it's not required. The trade-off is a 1% upfront fee ($2,000 on $200K) and 0.35% annual fee, which replace PMI entirely.
Principal and interest run $1,215 monthly at 6.125% (0.429 discount points, $858 upfront cost). Add property taxes, insurance, and the 0.35% annual USDA fee ($700 year one) for your full payment. Exact total depends on your property and insurance.
Yes — income must not exceed 115% of Yolo County's median, roughly $102,000 for a four-person household. If you earn more, USDA won't approve you. Conversely, there's no income floor—lenders just verify you can repay.
Maybe — the USDA has a rural-eligibility map, and not all Woodland addresses qualify. Your specific street address must clear the USDA's database. A broker can check this in minutes; don't assume your address is eligible until verified.
USDA has no mortgage insurance—just a 1% upfront fee and 0.35% annual fee. FHA requires mortgage insurance for life if you put down less than 10%. Over 10 years, USDA's total fees are far lower than FHA's lifetime MIP.