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Estimate a 0%-down USDA loan payment in eligible California areas, including the guarantee and annual fees.
USDA loans allow 0% down in eligible rural and suburban areas. Standard fees are ~1% upfront (financed) and ~0.35% annual. Payment is principal, interest, and the monthly annual fee; taxes and insurance are extra.
USDA loans offer 0% down for eligible buyers in qualifying rural and suburban California areas, subject to income limits. The upfront guarantee fee is usually financed into the loan; the annual fee is spread across monthly payments. Check the full rules on our USDA loan program page and compare USDA vs FHA.
A USDA loan offers 100% financing — no down payment — in eligible rural and many suburban areas, using a low guarantee fee instead of monthly PMI. For buyers with modest savings, it's one of the most powerful programs available, and much of California outside the big metros qualifies by location.
There are two catches to check: a household income limit (based on county and family size) and a property-location eligibility requirement. This calculator estimates your payment including the USDA guarantee fee so you can compare it to FHA or conventional. Not sure if your area or income qualifies? See USDA vs FHA in California or call us to check your address.
In USDA-designated rural and many suburban areas — which covers a surprising amount of California once you're outside the core of the big metros. Eligibility is by specific address, so we can check whether the exact property qualifies before you apply.
No monthly PMI. USDA uses a small upfront guarantee fee (financeable) plus a low annual fee — generally cheaper than FHA mortgage insurance. That's a big reason USDA payments can beat FHA when you qualify.
Yes — eligible USDA loans finance up to 100% of the home's value, so 0% down. You still pay closing costs and the guarantee fees.
Typically about a 1% upfront guarantee fee (usually financed) and a ~0.35% annual fee spread across monthly payments.
Many suburban and rural California areas qualify, subject to USDA maps and income limits. Call us and we'll check your address.
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