USDA

USDA loans offer 100% financing, meaning no down payment, for primary homes in eligible areas, and parts of the Inland Empire around the Temecula Valley may qualify. Household income limits apply (about $119,850 for a 1–4 person household in 2026), and the home must be your primary residence. Eligibility depends on the exact address, so I check the USDA map before you start shopping. The articles below explain how USDA financing works and who it fits best. Learn more on my USDA Loans page.