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Wheatland sits in rural Yuba County — exactly the kind of area USDA targets. Many parcels here fall within USDA's eligible zones.
Zero down payment is the headline. But USDA also carries lower mortgage insurance costs than FHA. That matters on a tight budget.
0%
Down Payment
640 (auto)
Min Credit Score
45–60 days
Typical Close Time
Rural zones only
Property Eligibility
Varies by household
Income Limits
USDA Loans in Wheatland
USDA has two hard requirements: the property must be in an eligible area, and your income must fall under the local limit. Both must pass.
Most lenders want a 640 credit score for automated approval. Below that, you can still qualify — but expect manual underwriting and more documentation.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Wheatland.
Wheatland sits in rural Yuba County — exactly the kind of area USDA targets. Many parcels here fall within USDA's eligible zones.
Zero down payment is the headline. But USDA also carries lower mortgage insurance costs than FHA. That matters on a tight budget.
USDA has two hard requirements: the property must be in an eligible area, and your income must fall under the local limit. Both must pass.
Not every lender offers USDA. Plenty of big banks skip it entirely. You need a lender actively approved through USDA's guaranteed loan program.
At SRK CAPITAL, we work with 200+ wholesale lenders — several specialize in USDA. We shop the program to find you the best rate available. Rates vary by borrower profile and market conditions.
The biggest mistake I see: buyers assume they're over the income limit without actually checking. USDA adjusts limits by household size. A family of four qualifies at a higher threshold than a single borrower.
USDA closes slower than conventional. Budget 45-60 days. If a seller needs speed, have a backup plan ready. This is a deal detail that kills contracts when buyers ignore it.
FHA requires 3.5% down and charges higher monthly mortgage insurance. USDA beats it on both counts — if you qualify on location and income.
VA is still the strongest zero-down option for veterans. No mortgage insurance at all. But if you don't have VA eligibility, USDA is the next best zero-down path.
Wheatland's rural character is an asset here. Most of the surrounding Yuba County land qualifies under USDA maps. Verify each address before you get attached to a property.
As of April 2026, USDA eligibility maps haven't been widely redrawn in this area. That can change as population data updates. Check the USDA map early in your search — not at the end.
Most of Wheatland falls within USDA-eligible rural zones. Verify the specific property address on the USDA eligibility map before making an offer.
Limits vary by household size and are set by USDA annually. A larger household qualifies at a higher income ceiling than a single borrower.
Yes. USDA's guaranteed loan program requires zero down payment. You may still need funds for closing costs unless the seller covers them.
640 gets you automated underwriting approval. Below that, manual underwriting is possible but requires stronger compensating factors.
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.
For eligible borrowers, yes. USDA has no down payment and lower monthly mortgage insurance. FHA requires 3.5% down and higher MI costs.