USDA Guaranteed Loans are the most popular rural development mortgage program in California.  Along with no down payment requirement, USDA loans don’t have set maximum loan limits for the guaranteed mortgage program. Instead, local limits are determined by a combination of the area USDA maximum income limit and the applicant’s debt-to-income ratio.

View USDA Direct Loan Limits (for low income applicants)
View All USDA Loan Limits

This approach means that the maximum loan limits for Guaranteed Loans are variable, with California USDA income limits playing a major role.  Guaranteed Loan income limits across CA are listed below.

California USDA Guaranteed Loan Income Limits

1-4 Person Households
5-8 Person Households
Alpine County, CA$94,600$124,850
Amador County, CA$83,150$109,750
Bakersfield, CA MSA$75,650$99,850
Calaveras County, CA$80,700$106,500
Chico, CA MSA$75,650$99,850
Colusa County, CA$75,650$99,850
Del Norte County, CA$75,650$99,850
El Centro, CA MSA$75,650$99,850
Fresno, CA MSA$75,650$99,850
Glenn County, CA$75,650$99,850
Hanford-Corcoran, CA MSA$75,650$99,850
Humboldt County, CA$75,650$99,850
Inyo County, CA$82,800$109,300
Lake County, CA$75,650$99,850
Lassen County, CA$79,800$105,350
Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area$99,850$131,800
Madera, CA MSA$75,650$99,850
Mariposa County, CA$75,650$99,850
Mendocino County, CA$75,650$99,850
Merced, CA MSA$75,650$99,850
Modesto, CA MSA$75,650$99,850
Modoc County, CA$75,650$99,850
Mono County, CA$93,350$123,200
Napa, CA MSA$101,400$133,850
Nevada County, CA$88,200$116,400
Oakland-Fremont, CA HUD Metro FMR Area$141,000$186,100
Oxnard-Thousand Oaks-Ventura, CA MSA$107,400$141,750
Plumas County, CA$75,650$99,850
Redding, CA MSA$75,650$99,850
Riverside-San Bernardino-Ontario, CA MSA$77,050$101,700
Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area$87,550$115,550
Salinas, CA MSA$87,550$115,550
San Benito County, CA HUD Metro FMR Area$93,300$123,150
San Diego-Carlsbad, CA MSA$100,500$132,650
San Francisco, CA HUD Metro FMR Area$153,400$202,500
San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area$133,600$176,350
San Luis Obispo-Paso Robles-Arroyo Grande, CA MSA$88,700$117,100
Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area$112,150$148,050
Santa Cruz-Watsonville, CA MSA$117,650$155,300
Santa Maria-Santa Barbara, CA MSA$97,300$128,450
Santa Rosa, CA MSA$94,750$125,050
Sierra County, CA$80,850$106,700
Siskiyou County, CA$75,650$99,850
Stockton-Lodi, CA MSA$76,250$100,650
Tehama County, CA$75,650$99,850
Trinity County, CA$75,650$99,850
Tuolumne County, CA$76,350$100,800
Vallejo-Fairfield, CA MSA$94,600$124,850
Visalia-Porterville, CA MSA$75,650$99,850
Yolo, CA HUD Metro FMR Area$88,400$116,700
Yuba City, CA MSA$75,650$99,850
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