USDA is one of the only 100% financing programs still available today. Most Californians are eligible for this program, it includes new homes, bank owned and short sales. There is no maximum sales price or loan amount, family size and location of the home will determine how high loan amounts can go. The minimum credit score is 620, credit qualifying is similar to FHA financing. Seller can contribute towards buyers closing cost, no limit on this. It’s the best loan out there right now.