Home Loans California & Arizona

Who does the USDA purchase home loan program in Tehachapi California?

In Tehachapi, California, we are lucky that are so many houses to live where you can have a white picket fence, or an outbuilding… not everybody wants to live in a cookie cutter neighborhood!  The good news is that for most of those “less urban / more rural” parts of California, you can buy a house with no money down, using the USDA Home Loan Program! So, what are the USDA Home Loan Requirements in Tehachapi, California?


The USDA Home Loan Program is a zero down payment required home loan program for those looking for a home in a small town or rural setting. 

The USDA Loan program can sometimes be used to purchase a Horse Farm, but in general, the program is not designed for a working farm.  Income Producing Farms in Tehachapi, California, and properties with lots of outbuildings will have a difficult time getting a USDA loan – and should probably consider looking at a Commercial Loan.

The USDA Loan program really only has 3 requirements.  The Household income has to be below the maximum limit set for the County and must be enough to meet the debt to income guidelines, credit must be current with no late payments in the last 12 months,  and the house must be located within the USDA Loan Eligibility Map “footprint.”

To Apply for a USDA Home Loan in Tehachapi CA You must meet the following requirements:

  • Meet income-eligibility
  • Agree to personally occupy the dwelling as their primary residence
  • Be a U.S. Citizen, U.S. non-citizen national or Qualified Alien
  • Have the legal capacity to incur the loan obligation
  • Have not been suspended or debarred from participation in federal programs
  • Demonstrate the willingness to meet credit obligations in a timely manner
  • Purchase a property that meets all program criteria
  • What is an eligible area?
  • Check eligible addresses for the loan guarantees.

USDA Funds backed by loan guarantees can be used for:

  • New or existing residential property to be used as a permanent residence.  Closing cost and reasonable/customary expenses associated with the purchase may be included in the transaction
  • A site with a new or existing dwelling
  • Repairs and rehabilitation when associated with the purchase of an existing dwelling
  • Refinancing of eligible loans
  • Special design features or permanently installed equipment to accommodate a household member who has a physical disability
  • Reasonable and customary connection fees, assessments or the pro rata installment cost for utilities such as water, sewer, electricity and gas for which the buyer is liable
  • A pro rata share of real estate taxes that is due and payable on the property at the time of loan closing.  Funds can be allowed for the establishment of escrow accounts for real estate taxes and/or hazard and flood insurance premiums
  • Essential household equipment such as wall-to-wall carpeting, ovens, ranges, refrigerators, washers, dryers, heating and cooling equipment as long as the equipment is conveyed with the dwelling
  • Purchasing and installing measures to promote energy efficiency (e.g. insulation, double-paned glass and solar panels)
  • Installing fixed broadband service to the household as long as the equipment is conveyed with the dwelling
  • Site preparation costs, including grading, foundation plantings, seeding or sod installation, trees, walks, fences and driveways

Who Does USDA Loans in Tehachapi CA 

To get a free consultation on USDA home loans please call Nathan Rufty at 909-503-5600
Posted by Nathan Rufty on February 6th, 2019 7:12 PM

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