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 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.

Quick Scroll
STATE:CALIFORNIA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Bakersfield, CA MSA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Chico, CA MSA
VERY LOW INCOME 31300 31300 31300 31300 41350 41350 41350 41350
Apply Now LOW INCOME 50100 50100 50100 50100 66150 66150 66150 66150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
El Centro, CA MSA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Fresno, CA MSA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Hanford-Corcoran, CA MSA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area
VERY LOW INCOME 54650 54650 54650 54650 72150 72150 72150 72150
Apply Now LOW INCOME 87450 87450 87450 87450 115450 115450 115450 115450
MOD.INC-GUAR.LOAN 125700 125700 125700 125700 165900 165900 165900 165900
Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area
VERY LOW INCOME 48450 48450 48450 48450 64000 64000 64000 64000
Apply Now LOW INCOME 77500 77500 77500 77500 102300 102300 102300 102300
MOD.INC-GUAR.LOAN 111400 111400 111400 111400 147050 147050 147050 147050
Madera, CA MSA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Merced, CA MSA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Modesto, CA MSA
VERY LOW INCOME 31000 31000 31000 31000 40950 40950 40950 40950
Apply Now LOW INCOME 49600 49600 49600 49600 65450 65450 65450 65450
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Napa, CA MSA
VERY LOW INCOME 46550 46550 46550 46550 61450 61450 61450 61450
Apply Now LOW INCOME 74500 74500 74500 74500 98350 98350 98350 98350
MOD.INC-GUAR.LOAN 107100 107100 107100 107100 141350 141350 141350 141350
Oxnard-Thousand Oaks-Ventura, CA MSA
VERY LOW INCOME 50700 50700 50700 50700 66950 66950 66950 66950
Apply Now LOW INCOME 82150 82150 82150 82150 108450 108450 108450 108450
MOD.INC-GUAR.LOAN 118100 118100 118100 118100 155900 155900 155900 155900
Redding, CA MSA
VERY LOW INCOME 30900 30900 30900 30900 40800 40800 40800 40800
Apply Now LOW INCOME 49450 49450 49450 49450 65250 65250 65250 65250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Riverside-San Bernardino-Ontario, CA MSA
VERY LOW INCOME 33700 33700 33700 33700 44500 44500 44500 44500
Apply Now LOW INCOME 53900 53900 53900 53900 71150 71150 71150 71150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area
VERY LOW INCOME 40050 40050 40050 40050 52900 52900 52900 52900
Apply Now LOW INCOME 64100 64100 64100 64100 84600 84600 84600 84600
MOD.INC-GUAR.LOAN 92150 92150 92150 92150 121650 121650 121650 121650
Yolo, CA HUD Metro FMR Area
VERY LOW INCOME 41600 41600 41600 41600 54950 54950 54950 54950
Apply Now LOW INCOME 66550 66550 66550 66550 87850 87850 87850 87850
MOD.INC-GUAR.LOAN 95650 95650 95650 95650 126250 126250 126250 126250
Salinas, CA MSA
VERY LOW INCOME 41750 41750 41750 41750 55150 55150 55150 55150
Apply Now LOW INCOME 66800 66800 66800 66800 88200 88200 88200 88200
MOD.INC-GUAR.LOAN 96050 96050 96050 96050 126800 126800 126800 126800
San Diego-Carlsbad, CA MSA
VERY LOW INCOME 48650 48650 48650 48650 64250 64250 64250 64250
Apply Now LOW INCOME 77850 77850 77850 77850 102750 102750 102750 102750
MOD.INC-GUAR.LOAN 111900 111900 111900 111900 147700 147700 147700 147700
Oakland-Fremont, CA HUD Metro FMR Area
VERY LOW INCOME 58100 58100 58100 58100 76700 76700 76700 76700
Apply Now LOW INCOME 108550 108550 108550 108550 143300 143300 143300 143300
MOD.INC-GUAR.LOAN 156050 156050 156050 156050 206000 206000 206000 206000
San Francisco, CA HUD Metro FMR Area
VERY LOW INCOME 73300 73300 73300 73300 96800 96800 96800 96800
Apply Now LOW INCOME 145500 145500 145500 145500 192050 192050 192050 192050
MOD.INC-GUAR.LOAN 209150 209150 209150 209150 276100 276100 276100 276100
San Benito County, CA HUD Metro FMR Area
VERY LOW INCOME 46550 46550 46550 46550 61450 61450 61450 61450
Apply Now LOW INCOME 79200 79200 79200 79200 104550 104550 104550 104550
MOD.INC-GUAR.LOAN 113850 113850 113850 113850 150300 150300 150300 150300
San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area
VERY LOW INCOME 66500 66500 66500 66500 87800 87800 87800 87800
Apply Now LOW INCOME 117600 117600 117600 117600 155250 155250 155250 155250
MOD.INC-GUAR.LOAN 169050 169050 169050 169050 223150 223150 223150 223150
San Luis Obispo-Paso Robles-Arroyo Grande, CA MSA
VERY LOW INCOME 41600 41600 41600 41600 54950 54950 54950 54950
Apply Now LOW INCOME 66550 66550 66550 66550 87850 87850 87850 87850
MOD.INC-GUAR.LOAN 95650 95650 95650 95650 126250 126250 126250 126250
Santa Cruz-Watsonville, CA MSA
VERY LOW INCOME 55800 55800 55800 55800 73700 73700 73700 73700
Apply Now LOW INCOME 91600 91600 91600 91600 120900 120900 120900 120900
MOD.INC-GUAR.LOAN 131700 131700 131700 131700 173850 173850 173850 173850
Santa Maria-Santa Barbara, CA MSA
VERY LOW INCOME 50150 50150 50150 50150 66200 66200 66200 66200
Apply Now LOW INCOME 89350 89350 89350 89350 117950 117950 117950 117950
MOD.INC-GUAR.LOAN 128450 128450 128450 128450 169550 169550 169550 169550
Santa Rosa, CA MSA
VERY LOW INCOME 49100 49100 49100 49100 64850 64850 64850 64850
Apply Now LOW INCOME 85900 85900 85900 85900 113400 113400 113400 113400
MOD.INC-GUAR.LOAN 123500 123500 123500 123500 163000 163000 163000 163000
Stockton-Lodi, CA MSA
VERY LOW INCOME 33150 33150 33150 33150 43800 43800 43800 43800
Apply Now LOW INCOME 53050 53050 53050 53050 70050 70050 70050 70050
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Vallejo-Fairfield, CA MSA
VERY LOW INCOME 41850 41850 41850 41850 55250 55250 55250 55250
Apply Now LOW INCOME 66950 66950 66950 66950 88350 88350 88350 88350
MOD.INC-GUAR.LOAN 96250 96250 96250 96250 127050 127050 127050 127050
Visalia-Porterville, CA MSA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Yuba City, CA MSA
VERY LOW INCOME 30000 30000 30000 30000 39600 39600 39600 39600
Apply Now LOW INCOME 48000 48000 48000 48000 63350 63350 63350 63350
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Alpine County, CA
VERY LOW INCOME 43200 43200 43200 43200 57050 57050 57050 57050
Apply Now LOW INCOME 69100 69100 69100 69100 91200 91200 91200 91200
MOD.INC-GUAR.LOAN 99350 99350 99350 99350 131150 131150 131150 131150
Amador County, CA
VERY LOW INCOME 36800 36800 36800 36800 48600 48600 48600 48600
Apply Now LOW INCOME 58900 58900 58900 58900 77750 77750 77750 77750
MOD.INC-GUAR.LOAN 84650 84650 84650 84650 111750 111750 111750 111750
Calaveras County, CA
VERY LOW INCOME 36150 36150 36150 36150 47750 47750 47750 47750
Apply Now LOW INCOME 57850 57850 57850 57850 76350 76350 76350 76350
MOD.INC-GUAR.LOAN 83150 83150 83150 83150 109750 109750 109750 109750
Colusa County, CA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Del Norte County, CA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Glenn County, CA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Humboldt County, CA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Inyo County, CA
VERY LOW INCOME 36000 36000 36000 36000 47550 47550 47550 47550
Apply Now LOW INCOME 57600 57600 57600 57600 76050 76050 76050 76050
MOD.INC-GUAR.LOAN 82800 82800 82800 82800 109300 109300 109300 109300
Lake County, CA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Lassen County, CA
VERY LOW INCOME 34700 34700 34700 34700 45850 45850 45850 45850
Apply Now LOW INCOME 55500 55500 55500 55500 73250 73250 73250 73250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mariposa County, CA
VERY LOW INCOME 32750 32750 32750 32750 43250 43250 43250 43250
Apply Now LOW INCOME 52400 52400 52400 52400 69150 69150 69150 69150
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mendocino County, CA
VERY LOW INCOME 30450 30450 30450 30450 40200 40200 40200 40200
Apply Now LOW INCOME 48700 48700 48700 48700 64300 64300 64300 64300
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Modoc County, CA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Mono County, CA
VERY LOW INCOME 40600 40600 40600 40600 53600 53600 53600 53600
Apply Now LOW INCOME 64950 64950 64950 64950 85750 85750 85750 85750
MOD.INC-GUAR.LOAN 93350 93350 93350 93350 123200 123200 123200 123200
Nevada County, CA
VERY LOW INCOME 38350 38350 38350 38350 50650 50650 50650 50650
Apply Now LOW INCOME 61350 61350 61350 61350 81000 81000 81000 81000
MOD.INC-GUAR.LOAN 88200 88200 88200 88200 116400 116400 116400 116400
Plumas County, CA
VERY LOW INCOME 31650 31650 31650 31650 41800 41800 41800 41800
Apply Now LOW INCOME 50650 50650 50650 50650 66850 66850 66850 66850
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Sierra County, CA
VERY LOW INCOME 35150 35150 35150 35150 46400 46400 46400 46400
Apply Now LOW INCOME 56250 56250 56250 56250 74250 74250 74250 74250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Siskiyou County, CA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tehama County, CA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Trinity County, CA
VERY LOW INCOME 29950 29950 29950 29950 39550 39550 39550 39550
Apply Now LOW INCOME 47900 47900 47900 47900 63250 63250 63250 63250
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150
Tuolumne County, CA
VERY LOW INCOME 33200 33200 33200 33200 43850 43850 43850 43850
Apply Now LOW INCOME 53100 53100 53100 53100 70100 70100 70100 70100
MOD.INC-GUAR.LOAN 82700 82700 82700 82700 109150 109150 109150 109150

 

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