With the help of the USDA Home Loan program, buying a new home in California just got a tad bit easier. Backed by the U.S government, these no money down, fixed interest rate loans offer 100% financing on qualifying California homes. And, with the help of the lending experts of Consumer Real Estate Finance Co., you may be able to make your dream of homeownership become a reality.

  • No Maximum Loan Amount on California Property
  • Flexible Credit Guidelines for Qualifying California Residents
  • Low Fixed Interest Rates
  • Both New and Existing Properties May Qualify

California Areas that Qualify for a USDA Loan

Take note that properties that are eligible for USDA loans are not solely restricted to one of California’s great agricultural areas. Instead, many properties located near some of California’s major metropolitan areas do qualify. To be USDA Loan Eligible, the area in which the property is located must be outside city limits and have less than 20,000 residents.

Remember: never assume that your property is not eligible. If you are in doubt, the experts here at Consumer Real Estate Finance Co. can offer guidance. Fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

California’s USDA Loan Income Limits by County

There are a couple of other restrictions that affect USDA Home Loan Eligibility. These include credit history and income limits.

Credit History: The USDA Rural Development loan program does not have a strict credit score guideline. Rather, it evaluates your credit history in an effort to ascertain your willingness to meet repayment obligations.

Income Limits: If the home is in an eligible area, you must not exceed the current yearly USDA income limit set for your county. View the chart below for a list of California USDA Loan Income Limits by county.

STATE:CALIFORNIA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Bakersfield-Delano CA MSA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Chico CA MSA VERY LOW INCOME 20550 23500 26450 29350 31700 34050 36400 38750
LOW INCOME 32850 37550 42250 46950 50700 54450 58200 61950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
El Centro CA MSA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fresno CA MSA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hanford-Corcoran CA MSA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Orange County CA HUD Metro FMR Area VERY LOW INCOME 33750 38550 43350 48150 52050 55900 59750 63600
LOW INCOME 53950 61650 69350 77050 83200 89400 95550 101700
MOD.INC-GUAR.LOAN 110750 110750 110750 110750 146200 146200 146200 146200
Madera-Chowchilla CA MSA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Merced CA MSA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Modesto CA MSA VERY LOW INCOME 21700 24800 27900 31000 33500 36000 38450 40950
LOW INCOME 34700 39700 44650 49600 53550 57550 61500 65450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Napa CA MSA VERY LOW INCOME 30150 34450 38750 43050 46500 49950 53400 56850
LOW INCOME 46150 52700 59300 65900 71150 76450 81700 87000
MOD.INC-GUAR.LOAN 94750 94750 94750 94750 125050 125050 125050 125050
Oxnard-Thousand Oaks-Ventura CA MSA VERY LOW INCOME 31300 35750 40200 44650 48250 51800 55400 58950
LOW INCOME 49850 56950 64100 71200 76900 82600 88300 94000
MOD.INC-GUAR.LOAN 102350 102350 102350 102350 135100 135100 135100 135100
Redding CA MSA VERY LOW INCOME 20650 23600 26550 29500 31900 34250 36600 38950
LOW INCOME 33050 37750 42500 47200 51000 54750 58550 62300
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Riverside-San Bernardino-Ontario CA MSA VERY LOW INCOME 23450 26800 30150 33500 36200 38900 41550 44250
LOW INCOME 37500 42900 48250 53600 57900 62200 66450 70750
MOD.INC-GUAR.LOAN 77050 77050 77050 77050 101700 101700 101700 101700
Yolo CA HUD Metro FMR Area VERY LOW INCOME 26950 30800 34650 38450 41550 44650 47700 50800
LOW INCOME 43050 49200 55350 61500 66400 71350 76250 81200
MOD.INC-GUAR.LOAN 88400 88400 88400 88400 116700 116700 116700 116700
Salinas CA MSA VERY LOW INCOME 25200 28800 32400 35950 38850 41750 44600 47500
LOW INCOME 40250 46000 51750 57500 62100 66700 71300 75900
MOD.INC-GUAR.LOAN 82650 82650 82650 82650 109100 109100 109100 109100
San Diego-Carlsbad-San Marcos CA MSA VERY LOW INCOME 28900 33050 37150 41300 44600 47900 51200 54500
LOW INCOME 46250 52900 59500 66100 71400 76700 81950 87250
MOD.INC-GUAR.LOAN 95000 95000 95000 95000 125400 125400 125400 125400
San Francisco CA HUD Metro FMR Area VERY LOW INCOME 39600 45250 50900 56550 61050 65600 70100 74650
LOW INCOME 63850 72950 82100 91200 98500 105800 113100 120400
MOD.INC-GUAR.LOAN 131100 131100 131100 131100 173050 173050 173050 173050
San Jose-Sunnyvale-Santa Clara CA HUD Metro VERY LOW INCOME 37150 42450 47750 53050 57300 61550 65800 70050
LOW INCOME 59400 67900 76400 84900 91650 98450 105250 112050
MOD.INC-GUAR.LOAN 122050 122050 122050 122050 161100 161100 161100 161100
San Luis Obispo-Paso Robles CA MSA VERY LOW INCOME 26400 30200 33950 37700 40750 43750 46750 49800
LOW INCOME 42200 48250 54250 60300 65100 69950 74750 79600
MOD.INC-GUAR.LOAN 86700 86700 86700 86700 114450 114450 114450 114450
Santa Barbara-Santa Maria-Goleta CA MSA VERY LOW INCOME 27900 31850 35850 39800 43000 46200 49400 52550
LOW INCOME 44600 50950 57350 63700 68800 73900 79000 84100
MOD.INC-GUAR.LOAN 91550 91550 91550 91550 120850 120850 120850 120850
Santa Cruz-Watsonville CA MSA VERY LOW INCOME 35300 40350 45400 50400 54450 58500 62500 66550
LOW INCOME 56450 64500 72600 80650 87100 93550 100000 106450
MOD.INC-GUAR.LOAN 115950 115950 115950 115950 153050 153050 153050 153050
Santa Rosa-Petaluma CA MSA VERY LOW INCOME 28950 33050 37200 41300 44650 47950 51250 54550
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Stockton CA MSA VERY LOW INCOME 23250 26550 29850 33150 35850 38500 41150 43800
LOW INCOME 37150 42450 47750 53050 57300 61550 65800 70050
MOD.INC-GUAR.LOAN 76250 76250 76250 76250 100650 100650 100650 100650
Vallejo-Fairfield CA MSA VERY LOW INCOME 28950 33050 37200 41300 44650 47950 51250 54550
LOW INCOME 45500 52000 58500 65000 70200 75400 80600 85800
MOD.INC-GUAR.LOAN 93450 93450 93450 93450 123350 123350 123350 123350
Visalia-Porterville CA MSA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Yuba City CA MSA VERY LOW INCOME 20800 23800 26750 29700 32100 34500 36850 39250
LOW INCOME 33250 38000 42750 47500 51300 55100 58900 62700
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Alpine County CA VERY LOW INCOME 28600 32650 36750 40800 44100 47350 50600 53900
LOW INCOME 44750 51100 57500 63900 69000 74100 79250 84350
MOD.INC-GUAR.LOAN 91850 91850 91850 91850 121250 121250 121250 121250
Amador County CA VERY LOW INCOME 25350 28950 32550 36150 39050 41950 44850 47750
LOW INCOME 40500 46300 52050 57850 62500 67100 71750 76350
MOD.INC-GUAR.LOAN 83150 83150 83150 83150 109750 109750 109750 109750
Calaveras CountyCA VERY LOW INCOME 24500 28000 31500 35000 37800 40600 43400 46200
LOW INCOME 39200 44800 50400 56000 60500 64950 69450 73900
MOD.INC-GUAR.LOAN 80500 80500 80500 80500 106250 106250 106250 106250
Colusa County CA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Del Norte CountyCA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Glenn County CA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Humboldt County CA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Inyo County CA VERY LOW INCOME 24150 27600 31050 34500 37300 40050 42800 45550
LOW INCOME 38650 44150 49700 55200 59600 64050 68450 72850
MOD.INC-GUAR.LOAN 79350 79350 79350 79350 104750 104750 104750 104750
Lake County CA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lassen County CA VERY LOW INCOME 23800 27200 30600 33950 36700 39400 42100 44850
LOW INCOME 38000 43450 48850 54300 58650 63000 67350 71700
MOD.INC-GUAR.LOAN 78050 78050 78050 78050 103050 103050 103050 103050
Mariposa County CA VERY LOW INCOME 21500 24550 27600 30650 33150 35600 38050 40500
LOW INCOME 34350 39250 44150 49050 52950 56900 60800 64750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mendocino County CA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Modoc County CA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mono County CA VERY LOW INCOME 28450 32500 36550 40600 43850 47100 50350 53600
LOW INCOME 44750 51100 57500 63900 69000 74100 79250 84350
MOD.INC-GUAR.LOAN 91850 91850 91850 91850 121250 121250 121250 121250
Nevada County CA VERY LOW INCOME 25450 29050 32700 36300 39250 42150 45050 47950
LOW INCOME 40650 46500 52300 58100 62750 67400 72050 76700
MOD.INC-GUAR.LOAN 83500 83500 83500 83500 110200 110200 110200 110200
Plumas County CA VERY LOW INCOME 21700 24800 27900 31000 33500 36000 38450 40950
LOW INCOME 34700 39700 44650 49600 53550 57550 61500 65450
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Sierra County CA VERY LOW INCOME 24650 28150 31650 35150 38000 40800 43600 46400
LOW INCOME 39400 45000 50650 56250 60750 65250 69750 74250
MOD.INC-GUAR.LOAN 80850 80850 80850 80850 106700 106700 106700 106700
Siskiyou County CA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tehama County CA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Trinity County CA VERY LOW INCOME 20300 23200 26100 28950 31300 33600 35900 38250
LOW INCOME 32400 37050 41650 46300 50000 53700 57400 61100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tuolumne County CA VERY LOW INCOME 23250 26600 29900 33200 35900 38550 41200 43850
LOW INCOME 37150 42500 47800 53100 57350 61600 65850 70100
MOD.INC-GUAR.LOAN 76350 76350 76350 76350 100800 100800 100800 100800

 

Remember, Consumer Real Estate Finance Co. is here to answer all your questions. For help applying for a California USDA Loan, contact us today.