USDA Loans California — Resolution Equity
USDA Loans
100% financing for eligible rural and suburban California homebuyers — no down payment required.
Key Benefits
- No down payment required (100% financing)
- Below-market interest rates
- Low monthly mortgage insurance
- Flexible credit guidelines
- Closing costs can be financed or gifted
- Available in eligible California rural/suburban areas
- Fixed 30-year terms
- Streamline refinance available
About USDA Loans
USDA loans are backed by the U.S. Department of Agriculture and are designed to promote homeownership in eligible rural and suburban areas. Many parts of California — including areas in and around Temecula and the Inland Empire — may qualify. With no down payment and below-market interest rates, USDA loans are an excellent option for income-qualified buyers.
Property Eligibility
The home must be located in a USDA-designated eligible area. Many suburban communities in California qualify. Our team can quickly verify whether a specific property address is eligible.
Income Limits
USDA loans have household income limits based on county and family size. Limits are set at 115% of the area median income. We'll help you determine if your household qualifies.
Guarantee Fee
USDA loans require an upfront guarantee fee (currently 1% of the loan amount) and an annual fee (0.35%) paid monthly. These fees are significantly lower than FHA mortgage insurance.
Questions About USDA Loans?
Our licensed team in Temecula is ready to walk you through your options and get you pre-qualified fast.