USDA loan eligible properties in Sacramento County, CA 
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* cities most likely to have USDA loan eligible properties for sale.
Alder Creek • Antelope • ArdenArcade • Arden Town • Bombay • Bruceville • Carmichael • Centralia • Citrus Heights • *Clay • Cosumne • *Courtland • Dillard • Easton Place • Elk Grove • Elverta • Emmaton • Fair Oaks • Florin • Folsom • Foothill Farms • Freeport • Fruitridge Pocket • *Galt • Glenborough • Gold River • *Herald • *Hood • Howard Landing • *Isleton • La Riviera • Laguna West • Lemon Hill • Locke • Manlove • • •
| What is a USDA Loan? |
| The USDA 502 Guaranteed Loan Program is designed to help homebuyers in eligible rural areas secure affordable housing with no down payment required. Backed by the U.S. Department of Agriculture, this loan offers competitive interest rates, flexible credit requirements, and lower mortgage insurance costs compared to conventional loans. Borrowers work with approved lenders, and the USDA provides a guarantee, reducing the lender’s risk and making homeownership more accessible. |
| Take the First Step Toward 0% Down Financing |
• Mather • Mather Field • Mayhew • McClellan Park • McConnel • Natoma • Need • Nimbus • North Highlands • Orangevale • Paintersville • Parkway • Point Pleasant • Pollock • Prairie City • Rancho Cordova • *Rancho Murieta • Rio Linda • Rosemont • Ryde • Sacramento • Sheldon • Sloughhouse • Twin Cities • Vineyard • Vorden • Walerga • Walker Landing • Walltown • Walmort • *Walnut Grove • Walsh Station • White Rock • *Wilton
browse list of realtors working in Sacramento CountySacramento has agents ready to assist.
There are 221 USDA backed residential loans in Sacramento county with an average loan balance of $199,386. Over 88% of the loans helped first time home buyers. Borrowers were an average age of 39 years old. The typical appraised home value was around $198,059. On average the rural home size purchased with this loan was approximately 1,467 SqFt. Alternate income limits exist to determine loan eligibility in Sacramento county. For a household of upto 4 people the income limit is $96,150. For a household of between 5 and 8 people the income limit increases to $126,900.
The size of Sacramento County is roughly 2,581 square kilometers. USDA defined regions of rural loan ineligibility in Sacramento cover 1,124 square kilometers of the county. Approximately 43.6% of Sacramento County is ineligible for traditional USDA home loans. The influence score for Sacramento County is 1. Look below for the interactive county level map illustration below for more details.
A USDA loan is a mortgage option available to eligible homebuyers that is sponsored by the United States Department of Agriculture to promote homeownership in rural communities. USDA Loans, sometimes called "RD Loans," offer 100% financing options on eligible rural properties. USDAProperties can help you find USDA loan eligible properties in Sacramento County.
View the detailed USDA boundaries and read about general conditions of
Sacramento County, California
.Sacramento County, located in the great state of California, has a rich historical background. Established in 1850, it was one of the original 27 counties of California and played a crucial role during the Gold Rush era. The county's name is derived from the Spanish word "sacramento," which means sacrament, and is believed to have been chosen in honor of the Blessed Sacrament (Holy Eucharist) in the Catholic Church.
Sacramento became the permanent capital of California in 1854 after several temporary locations. It quickly gained prominence as a major transportation hub, with both the Sacramento River and the American River flowing through it, making it an ideal spot for commerce and trade.
During the Gold Rush period in the mid-19th century, Sacramento County saw rapid growth due to the influx of people seeking fortunes in gold. This propelled the development of infrastructure, such as railroads and telegraph lines, connecting it to the eastern United States.
Today, Sacramento County is a thriving center for commerce, education, and culture. Notable landmarks include the California State Capitol, the Crocker Art Museum, and the California State Railroad Museum.
A fun fact about this region is that the Sacramento region is home to NBA team the Sacramento Kings, which moved from Kansas City in 1985. Additionally, Sacramento is also known as the "City of Trees," with over 30,000 trees lining its streets and parks, providing a beautiful canopy for residents and visitors to enjoy.
Featured Cities of California
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