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USDA Section 502 Guaranteed

USDA Section 502 Guaranteed is a loan program (0% down, guaranteed) from USDA Rural Development. Available statewide. Up to 100% toward a home purchase. First-time buyer status is not required. Income limit: 115% of area median income (1-4 person: $112,450 standard; 5-8: $148,450; high-cost CA/HI/AK/NoVA/WA higher).

Up to 100%
Listed as open as of May 2026

Available statewide.

First-time buyerNot required
Income limit115% of area median income (1-4 person: $112,450 standard; 5-8: $148,450; high-cost CA/HI/AK/NoVA/WA higher)
Minimum credit score640
Maximum DTI29%
OccupationsRural areas per USDA eligibility map
Property typesSFR, condo, PUD, modular; rural-eligible address
OccupancyOwner-occupied primary
Eligible loan productsUSDA
Sales price capNo USDA hard cap; reasonable for area; based on appraised value
Repayment1% upfront guarantee fee + 0.35% annual fee
StackingLayers with DPA
Notes100% financing including financed guarantee fee. Income limits per HH size + county.
Source USDA Rural Development·official program page·Listed
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: USDA Rural Development · program details at the provider’s site.

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