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USDA Rural Development Single Family Housing Guaranteed Loan Program

Multi-City, California

Last verified
See what you qualify for
Income limit

115% AMI

Of area median income; varies by county and household size

What is USDA Rural Development Single Family Housing Guaranteed Loan Program?

USDA Rural Development Single Family Housing Guaranteed Loan Program is a first mortgage for homebuyers in Multi-City, California.

  • USDA-guaranteed 100% LTV mortgage. No down payment required. Available only in USDA-designated rural areas. 30-year fixed-rate term. Annual MIP-equivalent fee.
  • USDA-guaranteed 100% LTV first mortgage with no required down payment, in eligible rural areas. Up to 1% upfront guarantee fee + 0.35% annual fee.

Do you have to pay it back?

USDA Rural Development Single Family Housing Guaranteed Loan Program is a first mortgage and is repaid under the terms set by the administering agency.

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

USDA Rural Development Single Family Housing Guaranteed Loan Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • Sourced via Homebuyer Wallet (NT20250001). Property must be in USDA-designated rural area (check eligibility map). Income limits up to 115% of area median (varies by county/HH size). Many CA suburban areas qualify as 'rural' under USDA criteria.

The program excludes

  • Households above 115% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

USDA Rural Development Single Family Housing Guaranteed Loan Program limits household income to 115% of the area median income, which varies by county and household size.

  • Up to 115% of area median income (USDA Rural Development limits, varies by county).
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

USDA Rural Development Single Family Housing Guaranteed Loan Program can be used for Single-family.

Where does it apply?

USDA Rural Development Single Family Housing Guaranteed Loan Program serves buyers purchasing in Multi-City, California.

How do you apply?

Applications for USDA Rural Development Single Family Housing Guaranteed Loan Program go through the administering agency.

  1. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  2. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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