USDA Loans in San Jose, CA
USDA loans are zero-down mortgages for eligible rural and designated suburban borrowers within income limits.
About USDA loans
What this loan type means for San Jose buyers.
Eligible rural and designated suburban borrowers. Income limits apply, but no down payment required.
Borrowers in San Jose, California can use USDA financing for primary residences in most cases, subject to the 2026 loan limit applicable to California. Talk to a licensed loan officer to confirm eligibility for your situation — credit, debt-to-income ratio, and property type all factor into approval.
Before reaching out, verify any loan officer's current licensing through NMLS Consumer Access. MLO Finder shows source-linked review snapshots where available but is not a lender and does not originate loans.
Borrower fit
Who USDA loans are for in San Jose.
USDA Single Family Housing loans are a zero-down financing option for borrowers buying primary residences in USDA-eligible rural and designated suburban areas, subject to household income limits. The Guaranteed program (the most common) is originated by approved lenders and backed by USDA; the Direct program is funded by USDA itself for lower-income borrowers.
