Question 1

Does Marysville qualify for USDA loans?

Accepted Answer

Some areas in and around Marysville qualify. Use the USDA eligibility map to check the exact property address.

Question 2

What is the income limit for USDA in Yuba County?

Accepted Answer

Limits are based on household size and county. Check the USDA's current income limit tool for Yuba County figures.

Question 3

Is there really no down payment required?

Accepted Answer

Correct — USDA is a true zero-down loan. You may still need funds for closing costs unless the seller covers them.

Question 4

How is USDA mortgage insurance different from FHA?

Accepted Answer

USDA charges an upfront guarantee fee plus an annual fee. Both are typically lower than FHA's upfront and monthly MIP.

Question 5

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

Accepted Answer

The property must be in move-in condition. USDA won't approve homes with significant structural or safety issues.

Question 6

How long does a USDA loan take to close?

Accepted Answer

USDA files often take 30-45 days. Rural Development approval adds a step that conventional and FHA loans skip.

USDA Loans in Marysville, CA — Zero Down in Yuba County