Question 1

Does Wheatland qualify for USDA loans?

Accepted Answer

Most of Wheatland falls within USDA-eligible rural zones. Verify the specific property address on the USDA eligibility map before making an offer.

Question 2

What's the income limit for USDA in Yuba County?

Accepted Answer

Limits vary by household size and are set by USDA annually. A larger household qualifies at a higher income ceiling than a single borrower.

Question 3

Can I use USDA to buy a home with no money down?

Accepted Answer

Yes. USDA's guaranteed loan program requires zero down payment. You may still need funds for closing costs unless the seller covers them.

Question 4

What credit score do I need for a USDA loan?

Accepted Answer

640 gets you automated underwriting approval. Below that, manual underwriting is possible but requires stronger compensating factors.

Question 5

How long does a USDA loan take to close?

Accepted Answer

Plan for 45-60 days. USDA adds a review layer that conventional loans skip. Alert your seller upfront so the timeline doesn't kill your deal.

Question 6

Is USDA better than FHA for Wheatland buyers?

Accepted Answer

For eligible borrowers, yes. USDA has no down payment and lower monthly mortgage insurance. FHA requires 3.5% down and higher MI costs.

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