USDA Rural Development 502 Guaranteed
USDA Rural Development 502 Guaranteed is a 100% financing government guarantee from USDA Rural Housing Service. Coverage: US. Up to 100% toward a home purchase. First-time buyer status is not required.
Up to 100%
Listed as open as of April 10, 2026
Coverage: US.
| First-time buyer | Not required |
|---|---|
| Minimum credit score | 640 |
| Maximum DTI | 45% |
| Property types | SFR, condo (approved) |
| Occupancy | Owner-occupied primary |
| Repayment | market% int.; 30-yr; deferred |
| Stacking | Stacks: calhfa-myhome, gsfa-platinum |
| Notes | Zero-down option for rural CA. Eligible areas include most of CA outside major metros. |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: USDA Rural Housing Service · program details at the provider’s site.
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