USDA Loans in California | Fast Close Mortgage

USDA Loans in California — 2026 Limits & How to Apply

Looking for USDA Loans in California? Fast Close Mortgage is a California-licensed mortgage lender offering usda loans with closing timelines as fast as 7 days. Whether you’re in Los Angeles, Sacramento, or anywhere else in California, our team can help you get approved quickly and close on a competitive usda loans rate. USDA-eligible counties in California are mostly rural: Modoc, Siskiyou, Shasta, Lassen, and the Sierra Nevada foothills. Most major CA metros (LA, SF, San Diego) are ineligible. CA USDA loan limits reach $1,209,750 in high-cost counties.

2026 USDA Loans Loan Limits in California

USDA loans in California are limited to eligible rural and suburban areas. The 2026 USDA loan limit in California is $359,058 in most eligible counties and up to $1,209,750 in higher-cost counties. To check if a specific California property is USDA-eligible, use the USDA eligibility map at eligibility.sc.egov.usda.gov.

USDA loans offer 100% financing (no down payment required) for eligible California buyers. The income limit is typically 115% of the area median income, which varies by county. USDA-eligible counties in California are mostly rural: Modoc, Siskiyou, Shasta, Lassen, and the Sierra Nevada foothills. Most major CA metros (LA, SF, San Diego) are ineligible. CA USDA loan limits reach $1,209,750 in high-cost counties.

What credit score do you need for USDA Loans in California?

The minimum credit score for USDA Loans in California is 640 for 0% down. Borrowers with credit scores below 640 (down to 580) can still qualify with 0% down. Most California lenders prefer 640+ for the best pricing.

For California buyers with credit scores in the 580-619 range, FHA and VA loans are often the best options. California buyers with credit scores of 740+ get the best conventional loan pricing. We work with lenders who specialize in non-prime credit profiles and can often find competitive options for California buyers across the credit spectrum.

How fast can I close USDA Loans in California?

Fast Close Mortgage closes most California USDA loans in 14 to 28 days. USDA loans require property eligibility verification (1-3 days) and a standard appraisal. Rural California appraisals can add 3 to 5 days depending on the county. Our team pre-verifies USDA eligibility before ordering the appraisal to avoid delays.

Why choose Fast Close Mortgage for USDA Loans in California?

Fast Close Mortgage is a California-licensed mortgage lender offering USDA Loans with closing timelines as fast as 7 days. Here’s why California buyers choose us:

Licensed in all 50 states. We serve California buyers plus 49 other states with consistent service and pricing.
Dedicated California loan officer. Each California borrower is assigned a local loan officer who understands California-specific market conditions, county loan limits, and closing timelines.
Fast closing. Most California USDA Loans close in 7 to 21 days, depending on the loan type.

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California USDA Loans FAQ

USDA-eligible areas in California are mostly rural: Modoc, Siskiyou, Shasta, Lassen, Tehama, Trinity, Plumas, Sierra, Alpine, Mono, and Inyo counties, plus most of the Sierra Nevada foothills. Most major CA metros (LA, SF, San Diego, Sacramento) are USDA-ineligible. Use the USDA eligibility map at eligibility.sc.egov.usda.gov to check a specific address.

The 2026 USDA loan limit in California is $359,750 in most eligible counties and up to $1,209,750 in high-cost counties. USDA loans are primarily for rural and suburban areas where the HUD median income meets program thresholds.

Yes — USDA loans in California can finance manufactured homes that meet USDA standards (permanent foundation, HUD data plate, eligible land). Many rural CA counties are USDA-eligible for manufactured homes.

Fast Close Mortgage closes most USDA loans in California in 14 to 28 days. USDA loans require a property eligibility verification (typically takes 1-3 days) and a standard appraisal. Rural CA appraisals can add 3 to 5 days.

USDA loans in California require a minimum credit score of 640 for most lenders, though we work with lenders who accept 580+ with compensating factors. CA USDA buyers also need to meet income limits (typically 115% of area median income).

2026 USDA Loans limits in California

$2,000,000 statewide (2026 VA loan limit). Higher in select counties.

What credit score do you need for USDA Loans in California?

620 minimum for VA loan. Most CA lenders prefer 660+ for best pricing.

How fast can I close USDA Loans in California?

15–25 days for CA VA loans. CA appraisal process can be slower.

Why choose Fast Close Mortgage for USDA Loans in California?

Fast Close Mortgage is CA-licensed; team handles VA-specific docs.

USDA Loans FAQ

Who qualifies for USDA loans?

Homebuyers in eligible rural areas with income at or below 115% of area median income.

Do USDA loans require 0% down?

Yes. USDA Rural Development loans are 100% financing.

What is the USDA guarantee fee?

1.00% upfront + 0.35% annual for most loans in 2026. Annual fee can be rolled into the loan balance.

How do I know if my property is USDA-eligible?

Use the USDA eligibility map at eligibility.sc.egov.usda.gov. The address must be in an eligible rural area.

Other states

Fast Close Mortgage is licensed in California and all other 49 states. NMLS ID available on request. Equal Housing Opportunity.