USDA Loans · Sacramento

USDA loans around Sacramento — $0 down in the right zip code.

USDA Rural Development loans offer $0 down for buyers in eligible areas — and you'd be surprised how much of the Sacramento metro qualifies. Wilton, Galt, Elverta, Herald, parts of Elk Grove and the El Dorado foothills are all in. I'll check your target address in 30 seconds.

Start Your Pre-Approval Call 916.223.8583

Program Highlights

Why Sacramento buyers choose USDA.

$0 Down

Like VA, USDA requires no down payment. Finance up to 100% of the purchase price.

Eligible Areas Around Sacramento

Wilton, Galt, Herald, Elverta, Sloughhouse, parts of Lincoln, Loomis, and the Sierra foothills all qualify.

Low Mortgage Insurance

USDA's guarantee fee is significantly cheaper than FHA's MIP — usually 0.35% annual vs FHA's 0.55%.

Income-Based Eligibility

Designed for low-to-moderate income households. 2025 Sacramento County limit is around $128,250 for a 1-4 person household.

Best Fit For

Is USDA right for you?

Buyers targeting Galt, Wilton, Herald, Elverta, or other Sacramento-adjacent rural-designated areas.
Households earning under USDA's area income limit — often higher than people assume.
First-time buyers with little or no down payment saved who don't qualify for VA.
Anyone who wants land, acreage, or a small farm property within commuting distance of Sacramento.

How It Works

The USDA loan process, step by step.

01
Address Check
First step — I verify the property is in a USDA-eligible area. Takes 30 seconds. Most rural Sacramento County qualifies.
02
Income Verification
USDA caps household income, but the cap is per-county and per-household-size. I confirm you qualify before we go further.
03
Pre-Approval
Full credit, income, asset review. USDA pre-approvals look like any other to your agent and seller.
04
USDA Underwriting
Files go through two underwrites — your lender's, then USDA's. I manage both to keep your close on track.

Common Questions

USDA loans in Sacramento — FAQs.

Is my Sacramento area USDA eligible?+

Send me the address and I'll check immediately. Generally: Galt, Wilton, Herald, Elverta, Sloughhouse, parts of Lincoln and Loomis qualify. The City of Sacramento and most of Elk Grove proper do not.

What's the USDA income limit in Sacramento County?+

For 2025, roughly $128,250 for a 1-4 person household and $169,300 for 5-8 persons in Sacramento County. Limits adjust annually.

What credit score do I need?+

USDA technically allows down to 580, but most lenders want 620-640. The streamlined automated approval works best at 640+.

How much is USDA mortgage insurance?+

A 1% upfront guarantee fee (financed into the loan) plus 0.35% annual fee paid monthly. Significantly cheaper than FHA's structure.

Can I buy land with USDA?+

Yes, on owner-occupied properties. USDA allows acreage as long as the home value exceeds the land value and the property is residential in nature.

Take the First Step

Tell me the address — I'll check eligibility now.

Start Your Pre-Approval Call 916.223.8583