USDA Loans in California

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 $106,250 $140,250
Alpine $94,600 $124,850
Amador $83,150 $109,750
Butte $75,650 $99,850
Calaveras $80,700 $106,500
Colusa $75,650 $99,850
Contra Costa $106,250 $140,250
Del Norte $75,650 $99,850
El Dorado $87,550 $115,550
Fresno $75,650 $99,850
Glenn $75,650 $99,850
Humboldt $75,650 $99,850
Imperial $75,650 $99,850
Inyo $82,250 $108,550
Kern $75,650 $99,850
Kings $75,650 $99,850
Lake $75,650 $99,850
Lassen $79,800 $105,350
Los Angeles $98,200 $129,600
Madera $75,650 $99,850
Marin $106,250 $140,250
Mariposa $75,650 $99,850
Mendocino $75,650 $99,850
Merced $75,650 $99,850
Modoc $75,650 $99,850
Mono $93,350 $123,200
Monterey $83,400 $110,100
Napa $101,400 $133,850
Nevada $88,200 $116,400
Orange $110,750 $146,200
Placer $87,550 $115,550
Plumas $75,650 $99,850
Riverside $77,050 $101,700
Sacramento $87,550 $115,550
San Benito $93,300 $123,150
San Bernardino $77,050 $101,700
San Diego $95,000 $125,400
San Francisco $138,200 $182,400
San Joaquin $76,250 $100,650
San Luis Obispo $88,700 $117,100
San Mateo $106,250 $140,250
Santa Barbara $92,200 $121,700
Santa Clara $122,050 $161,100
Santa Cruz $117,650 $155,300
Shasta $75,650 $99,850
Sierra $80,850 $106,700
Siskiyou $75,650 $99,850
Solano $94,600 $124,850
Sonoma $94,600 $124,850
Stanislaus $75,650 $99,850
Sutter $75,650 $99,850
Tehama $75,650 $99,850
Trinity $75,650 $99,850
Tulare $75,650 $99,850
Tuolumne $76,350 $100,800
Ventura $104,200 $137,550
Yolo $88,400 $116,700
Yuba $75,650 $99,850

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