USDA Loans in Bakersfield
and Kern County
USDA Rural Development loans offer 100% financing, zero down payment, for homes in eligible areas of Kern County. Many communities near Bakersfield qualify. Dan checks your property address and income upfront so there are no surprises.
How USDA Compares to FHA in Kern County
For eligible properties and borrowers, USDA is often the lower-cost option over time.
| Factor | USDA Guaranteed | FHA |
|---|---|---|
| Down Payment | 0% | 3.5% |
| Upfront Fee | 1% (can roll in) | 1.75% UFMIP |
| Annual Fee | 0.35% of balance | 0.55% MIP (30yr) |
| Min Credit Score | 620 (most lenders) | 580 (FHA minimum) |
| Property Location | Rural/eligible areas only | Any area |
| Income Limits | Yes, household-based | None |
| Property Types | SFR, some condos | SFR, condos, 2-4 unit |
USDA-Eligible Communities in Kern County
Eligibility is determined at the individual property address level, not by city name alone. This list is a general guide, Dan confirms each address before you go under contract.
Bakersfield city limits are generally not USDA-eligible due to population density. However, properties just outside city limits, in unincorporated Kern County, or in surrounding communities often do qualify. Always verify the specific address.
USDA is the most overlooked zero-down loan program in Kern County. Everyone knows about VA, but USDA doesn't get the attention it deserves, especially for buyers who want to live outside the city in communities like Shafter, Wasco, or Tehachapi.
The math usually works in USDA's favor for eligible borrowers. The annual fee is 0.35% versus FHA's 0.55%, and unlike FHA, USDA's annual fee decreases as your balance goes down. Over a 30-year loan that adds up to real savings. I walk every eligible borrower through the comparison before recommending which program to use.
Check Your USDA Eligibility
Dan verifies property eligibility and income limits before you make an offer.
USDA Loan FAQs for Kern County
Related Resources for Kern County Buyers
Buy in Kern County With Zero Down Through USDA
Dan checks your property address and income against current USDA guidelines at no cost. Call (661) 342-9381 or apply online.