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KNB Capital · Loan Programs
USDA Home
Loan
Zero down payment for eligible rural and suburban California properties. Government-backed and often overlooked — many Ventura County communities qualify.
The Basics
What Is A USDA Loan?
USDA loans are backed by the U.S. Department of Agriculture and designed to encourage homeownership in rural and certain suburban areas. Like VA loans, they require zero down payment — making them one of only two zero-down programs available to non-veterans.
Despite the ‘rural’ name, many Ventura County communities qualify — including parts of Moorpark, Fillmore, Santa Paula, Piru, and Ojai. Eligibility is based on USDA property maps and household income limits, not the property’s appearance or density.
Do You Qualify?
USDA Loan Requirements
Area Eligibility
Property must be in a USDA-designated eligible area. Use the USDA eligibility map to check a specific address. Many Ventura County properties that feel suburban are still USDA-eligible.
Income Limits
Household income must be at or below 115% of the area median income. Ventura County income limits are generous — many moderate-income households qualify.
Credit Score
640+ is standard. USDA GLP (Guaranteed Loan Program) lenders may go lower with compensating factors. No prior USDA default or federal delinquency allowed.
Property Standards
Must be a primary residence, modest in size and value for the area, and meet USDA property standards (similar to FHA). No investment properties or vacation homes.
Common Questions
What USDA Borrowers Ask Us Most
Is My Property In A USDA-Eligible Area?
Check the USDA’s official eligibility map at eligibility.sc.egov.usda.gov, or give us the address and we’ll check it instantly. More areas qualify than most people expect.
USDA vs FHA — Which Is Better?
If your area qualifies, USDA is usually better — zero down vs 3.5%, and the annual MIP (0.35%) is lower than FHA’s annual MIP (0.55–0.85%). The catch is area and income limits that FHA doesn’t have.
What Are The Income Limits In Ventura County?
Ventura County USDA income limits for 2025 are approximately $110,650 for a 1–4 person household and $146,050 for 5+ persons (subject to annual updates). We verify current limits at time of application.
Zero Down — Let’s Find Out If You Qualify
Give us your address and income — we’ll confirm USDA eligibility in minutes.