California USDA Loan for Rural Homes
You are ready to buy. We are ready to help. A California USDA loan offers a path to homeownership with no down payment in rural California. Let us walk through it together.
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Find Out About California USDA Loans
California USDA loans are designed for buyers in rural areas who want to skip the down payment. Income guidelines vary by location, and many communities outside major cities are included. We can help you find out if this loan fits your situation.
Our Rates For You
USDA 30 Year Purchase
USDA 15 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
How a California USDA Loan Helps You
A California USDA loan removes the biggest hurdle to buying a home. No down payment means you keep your savings. Competitive rates mean your monthly payment stays manageable. This is how families get into homes faster.
No Down Payment
Keep your savings where they are. A California USDA loan lets you buy without putting money down. That cash stays available for moving, furniture, or just peace of mind.
Rates That Fit Your Budget
USDA loans often come with rates lower than other loan types. That means a monthly payment you can feel good about.
Room to Breathe on Credit
We look at your whole picture, not just a number. If you have had some bumps along the way, we can still talk about your options.
From Here to Home With a California USDA Loan
USDA Loans compared with other mortgage loans
USDA
FHA
Conventional
VA
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California USDA Loan FAQ
Still unsure? Talk to someone who hears you, not a script.
A California USDA loan is a government backed home loan that lets you buy in rural California with no down payment. It is designed for buyers who want affordable financing in eligible areas across California.
No. California USDA loans offer 100% financing, meaning you can buy a home without any down payment. This makes homeownership possible even if you have not saved for years.
California USDA loan income limits vary by county and household size. Most California counties allow household incomes up to 115% of the area median, typically $90,000 to $130,000 for a family of four.
Most lenders prefer a 640 credit score for California USDA loans, but lower scores may still work. We look at your whole financial picture, not just the number.
Many rural and suburban areas in California are approved for USDA loans. Communities with populations under 35,000 often qualify. We can check any California address instantly.
California USDA loans typically close in 30 to 45 days. The timeline includes lender review and USDA approval. We keep things moving so you get your keys on schedule.
California USDA loan rates are often lower than conventional mortgages because of the government backing. Your exact rate depends on market conditions and your financial profile.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
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Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply.
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