USDA Rural Development loans offer 0% down for low-to-moderate-income buyers in eligible rural and many suburban areas (generally income up to 115% of the area median). Fees are a 1% upfront guarantee and 0.35% annually.
The most jumbo-dependent metro here — median prices sit above the conforming ceiling, so most buyers need jumbo financing. Because local prices often top the 2026 conforming limit of $832,750, many Los Angeles buyers using this route also look at jumbo financing.
Is my area USDA-eligible?
Many suburban and rural areas qualify; eligibility is checked against USDA maps and income limits.
What does USDA cost?
A 1% upfront guarantee fee (financeable) plus a 0.35% annual fee — cheaper than FHA's insurance.
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