No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home’s value. That means no down payment of any kind!
USDA loans for California residents
My state-specific information
Eligibility Requirements – California
Buying a home in California just got a lot easier. With a USDA loan, that California dream home could finally be yours. For a USDA loan in California, the household income limit for a family of 1-4 is about $121,900, and for a family of 5 or more can be as high as $349,900. Fill out the form to the right to get in touch with one of our USDA loan specialists and get started on your new loan!
This map displays the areas of California that are eligible for USDA loans. For more detailed information, check out the USDA loan eligibility screen.
California USDA Income Limits (Moderate Income – Guaranteed Loan)
Most rural areas of California follow the standard USDA income limit. Higher-cost metro and coastal areas have increased limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard California Limit (Most Rural Counties & MSAs) | $121,900 | $160,950 |
| Riverside-San Bernardino-Ontario, CA MSA | $128,650 | $169,850 |
| Nevada County, CA | $130,800 | $172,700 |
| Alpine County, CA | $132,700 | $175,200 |
| Sacramento–Roseville–Arden-Arcade, CA | $147,900 | $195,250 |
| Yolo County, CA | $144,750 | $191,100 |
| San Benito County, CA | $153,750 | $202,950 |
| Vallejo, CA MSA | $158,000 | $208,600 |
| San Luis Obispo–Paso Robles, CA MSA | $160,000 | $211,150 |
| Oxnard–Thousand Oaks–Ventura, CA MSA | $172,150 | $227,250 |
| Santa Rosa–Petaluma, CA MSA | $173,950 | $229,650 |
| Los Angeles–Long Beach–Glendale, CA | $175,950 | $232,300 |
| Oakland–Fremont, CA | $179,750 | $237,300 |
| Napa, CA MSA | $187,100 | $247,000 |
| San Diego–Chula Vista–Carlsbad, CA MSA | $193,050 | $254,850 |
| Santa Ana–Anaheim–Irvine, CA | $194,550 | $256,850 |
| Salinas, CA MSA | $199,900 | $263,900 |
| Santa Maria–Santa Barbara, CA MSA | $203,000 | $268,000 |
| San Jose–Sunnyvale–Santa Clara, CA | $229,350 | $302,750 |
| San Francisco, CA | $238,200 | $314,450 |
| Santa Cruz–Watsonville, CA MSA | $265,100 | $349,900 |
USDA income limits in California are based on total household income and household size. This includes income from all adult household members, not just the borrower.
If your total qualifying household income is within the limit for your area and household size, you may be eligible for a USDA Guaranteed loan with 100% financing (no down payment required).
Check Your California USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout California. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.
Because California income limits vary widely by metro area and county, we recommend completing a quick USDA prequalification so we can confirm the exact limit that applies to your property location.
- NO down payment – Finance 100% of your home
- NO assets needed to qualify
- Flexible credit guidelines
- Competitive, fixed interest rates so payments do not increase
- USDA Loans are for new and existing properties
Start your California USDA home loan now! Just fill out this quick form to get started & a USDA loan specialist will contact you with your options.
What areas are eligible?
USDA Eligibility Map – California
USDA Home Loan Features
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Apply today
Start your USDA Loan now! It only takes 30 seconds to see if you qualify.
New Applicants: For questions about a mortgage application currently in process, please reach out to your Mortgage Loan Officer. If you are not sure who your Mortgage Loan Officer is, please email our Mortgage Help Desk at mortgagehelpdesk@magnoliabank.com. Customer Feedback: For complaints or to provide feedback, please email complaints@magnoliabank.com.
This communication does not constitute a commitment to lend or the guarantee of a special interest rate. All loan programs and availability of cash proceeds are subject to credit, underwriting and property approval.
