USDA Section 502 Guaranteed Loan
USDA Section 502 Guaranteed Loan is a first mortgage (federally guaranteed) from USDA Rural Development (lender-issued). Coverage: CA USDA-eligible rural areas (~92% of state by area). Income limit: ≤115% of greater of US/state median; ~$119,850 baseline 1-4 person.
Amount varies by program
Listed as open as of May 26, 2026
Coverage: CA USDA-eligible rural areas (~92% of state by area).
| Income limit | ≤115% of greater of US/state median; ~$119,850 baseline 1-4 person |
|---|---|
| Minimum credit score | 640 |
| Sales price cap | No max, limited by appraisal/DTI |
| Amount notes | 100% financing, no down payment |
| Notes | Originated by participating lenders, 90% USDA guarantee. |
| Phone | 530-792-5800 |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: USDA Rural Development (lender-issued) · program details at the provider’s site.
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