USDA LOAN BENEFITS IN CALIFORNIA
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.
USDA LOAN ELIGIBILITY IN CALIFORNIA
California offers many USDA Loan eligible areas. If you are looking for a new home and need a loan with NO MONEY DOWN, a USDA Loan may be the loan you want! Although the very heavily populated downtown areas such as Los Angeles, San Francisco and San Diego are not eligible, many cities just outside downtown areas DO qualify for a USDA Loan.
To qualify for a USDA Loan, USDA Loan Underwriters will want to make sure that you meet income guidelines. USDA Loan income guidelines are based off of your household size and the county of your residence. Below is a list of income limits by county in California.
| County Name | Family Size 1-4 | Family Size 5-8 |
|---|---|---|
| Alameda | $145,700 | $192,300 |
| Alpine | $97,750 | $129,050 |
| Amador | $83,150 | $109,750 |
| Butte | $78,200 | $103,200 |
| Calaveras | $80,700 | $106,500 |
| Colusa | $78,200 | $103,200 |
| Contra Costa | $145,700 | $192,300 |
| Del Norte | $78,200 | $103,200 |
| El Dorado | $87,550 | $115,550 |
| Fresno | $78,200 | $103,200 |
| Glenn | $78,200 | $103,200 |
| Humboldt | $78,200 | $103,200 |
| Imperial | $78,200 | $103,200 |
| Inyo | $82,800 | $109,300 |
| Kern | $78,200 | $103,200 |
| Kings | $78,200 | $103,200 |
| Lake | $78,200 | $103,200 |
| Lassen | $79,800 | $105,350 |
| Los Angeles | $103,650 | $136,800 |
| Madera | $78,200 | $103,200 |
| Marin | $202,250 | $266,950 |
| Mariposa | $78,200 | $103,200 |
| Mendocino | $78,200 | $103,200 |
| Merced | $78,200 | $103,200 |
| Modoc | $78,200 | $103,200 |
| Mono | $93,350 | $123,200 |
| Monterey | $93,600 | $123,550 |
| Napa | $107,100 | $141,350 |
| Nevada | $88,200 | $116,400 |
| Orange | $121,550 | $160,450 |
| Placer | $87,550 | $115,550 |
| Plumas | $78,200 | $103,200 |
| Riverside | $78,200 | $103,200 |
| Sacramento | $87,550 | $115,550 |
| San Benito | $96,150 | $126,900 |
| San Bernardino | $78,200 | $103,200 |
| San Diego | $107,100 | $141,350 |
| San Francisco | $202,250 | $266,950 |
| San Joaquin | $78,200 | $103,200 |
| San Luis Obispo | $93,950 | $124,000 |
| San Mateo | $202,250 | $266,950 |
| Santa Barbara | $104,200 | $137,550 |
| Santa Clara | $148,800 | $196,400 |
| Santa Cruz | $122,500 | $161,700 |
| Shasta | $78,200 | $99,850 |
| Sierra | $80,850 | $106,700 |
| Siskiyou | $78,200 | $103,200 |
| Solano | $95,000 | $125,400 |
| Sonoma | $105,350 | $139,050 |
| Stanislaus | $78,200 | $103,200 |
| Sutter | $78,200 | $103,200 |
| Tehama | $78,200 | $103,200 |
| Trinity | $78,200 | $103,200 |
| Tulare | $78,200 | $103,200 |
| Tuolumne | $78,200 | $100,800 |
| Ventura | $118,100 | $155,900 |
| Yolo | $88,400 | $116,700 |
| Yuba | $78,200 | $103,200 |
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