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 $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

applybutton

  • 1
  • 2
  • 3

1. Tell us your Mortgage Needs

Get Started!
  • 1
  • 2
  • 3

2. How shall we reach you?


Back
Next

  • 1
  • 2
  • 3

3. Tell us About Yourself


By entering my SS Number I authorize a       Transunion credit check.



Back
Finish





web
analytics