USDA Rural Development
Holiday Mortgage (Youngs Real Estate, Inc.) • California • By Appointment Only
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USDA
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Hard Money
DSCR
Apartment Complex
Manufactured Homes
Quick list: VA • FHA • Conventional (FNMA/FHLMC) • USDA • Down Payment Assistance • Forgivable Grants • CalHFA • CalVET • Jumbo / Super Jumbo • SBA • Agricultural • Commercial • Hard Money • DSCR • Apartment Complex • Manufactured Homes
At a glance
- Best for: eligible buyers in USDA-eligible areas (income and property eligibility apply).
- Occupancy: typically primary residence.
- Eligibility: based on household income and location.
Reminder: Guidelines vary by lender and scenario. This page is general information only and is not a commitment to lend.
Basic qualifications (typical)
- Property must be in an eligible area (USDA tools/maps).
- Household income must fall within program limits (varies).
- Meet lender credit/income requirements and USDA underwriting.
Property types that may work
- Eligible single-family homes in USDA-eligible areas
- Some new construction (guidelines vary)
Typical documentation checklist
- Photo ID
- Income documentation (paystubs, W-2s, tax returns depending on income type)
- Asset documentation (bank statements; source of funds for down payment/closing costs)
- Property documentation (purchase contract if buying; insurance quote)
- Credit authorization and explanations if needed
- Program-specific items (below)
Tip: For privacy and security, do not email SSNs or sensitive document images. Use a secure portal for sensitive info.
Program-specific documents / notes
- Household income documentation may be needed for adult household members.
- Eligibility checks using USDA tools/maps are commonly part of the process.
Helpful links: USDA eligibility tools
Questions? Call (530) 238-5739 or email [email protected].
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