California USDA Loans
Buy a home in eligible rural and suburban areas of California with $0 down if you qualify.
Standard 1–4 Person Income Limit
Highest 5+ Person Income Limit
Financing Available
USDA Home Loans in California
Buying a home in California just got a lot easier. With a USDA loan, that California dream home could finally be yours.
For many rural areas of California, the USDA income limit for a household of 1–4 is about $121,900. In higher-cost areas, limits may be much higher, with 5+ person household limits reaching up to $349,900.
USDA loans can provide 100% financing, which means no down payment is required for eligible buyers.
California USDA Eligibility Map
This map shows areas of California that may be eligible for USDA financing.
Check a property address →
How the California USDA Loan Process Works
A simple path to homeownership with $0 down financing.
Check Your Eligibility
Answer a few quick questions to see if a USDA loan may be a fit.
Review Income Limits
We compare your total household income to the correct California USDA limit.
Confirm Property Area
We help confirm whether the home is in a USDA-approved location.
California USDA Income Limits
Most rural areas 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 |
California USDA Loan Features
Flexible financing designed to make homeownership more affordable.
Buy With $0 Down
USDA financing may allow eligible California buyers to finance 100% of the home.
Flexible Credit Guidelines
Credit options may be available for buyers who meet USDA and lender requirements.
30-Year Fixed Terms
Enjoy competitive, fixed interest rates so payments do not increase due to rate changes.
Rural & Suburban Areas
Many eligible areas are located outside major city centers throughout California.
No Assets Needed
USDA loans may not require large savings or reserves to qualify.
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
California USDA Loan Questions
Helpful answers before you start your USDA loan review.
Can I buy a home in California with no down payment?
Yes. Eligible buyers may be able to finance 100% of the purchase price through a USDA Guaranteed loan.
Do all areas of California qualify?
No. The property must be located in a USDA-eligible rural or suburban area. We can help verify the address for you.
Are California USDA income limits the same statewide?
No. California limits vary by county and metro area, with higher limits in many coastal and high-cost areas.
Are USDA income limits based only on my income?
No. USDA considers total household income, including income from adult household members, not just the borrower.
Ready to See If You Qualify for a California USDA Loan?
Start your California USDA home loan review today. A USDA loan specialist will contact you with your options.
