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

Area
1-4 Person Households
5-8 Person Households
Alpine County, CA$99,350$131,150
Amador County, CA$86,850$114,650
Bakersfield, CA MSA$86,850$114,650
Calaveras County, CA$86,850$114,650
Chico, CA MSA$86,850$114,650
Colusa County, CA$86,850$114,650
Del Norte County, CA$86,850$114,650
El Centro, CA MSA$86,850$114,650
Fresno, CA MSA$86,850$114,650
Glenn County, CA$86,850$114,650
Hanford-Corcoran, CA MSA$86,850$114,650
Humboldt County, CA$86,850$114,650
Inyo County, CA$86,850$114,650
Lake County, CA$86,850$114,650
Lassen County, CA$86,850$114,650
Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area$120,050$158,450
Madera, CA MSA$86,850$114,650
Mariposa County, CA$86,850$114,650
Mendocino County, CA$86,850$114,650
Merced, CA MSA$86,850$114,650
Modesto, CA MSA$86,850$114,650
Modoc County, CA$86,850$114,650
Mono County, CA$93,350$123,200
Napa, CA MSA$114,300$150,900
Nevada County, CA$91,650$121,000
Oakland-Fremont, CA HUD Metro FMR Area$156,050$206,000
Oxnard-Thousand Oaks-Ventura, CA MSA$120,300$158,800
Plumas County, CA$86,850$114,650
Redding, CA MSA$86,850$114,650
Riverside-San Bernardino-Ontario, CA MSA$86,850$114,650
Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area$96,150$126,900
Salinas, CA MSA$103,300$136,350
San Benito County, CA HUD Metro FMR Area$117,300$154,850
San Diego-Carlsbad, CA MSA$130,650$172,450
San Francisco, CA HUD Metro FMR Area$212,550$280,550
San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area$190,350$251,250
San Luis Obispo-Paso Robles-Arroyo Grande, CA MSA$103,350$136,400
Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area$136,500$180,200
Santa Cruz-Watsonville, CA MSA$163,500$215,800
Santa Maria-Santa Barbara, CA MSA$130,750$172,600
Santa Rosa, CA MSA$126,500$167,000
Sierra County, CA$86,850$114,650
Siskiyou County, CA$86,850$114,650
Stockton-Lodi, CA MSA$86,850$114,650
Tehama County, CA$86,850$114,650
Trinity County, CA$86,850$114,650
Tuolumne County, CA$86,850$114,650
Vallejo-Fairfield, CA MSA$98,550$130,100
Visalia-Porterville, CA MSA$86,850$114,650
Yolo, CA HUD Metro FMR Area$101,050$133,400
Yuba City, CA MSA$86,850$114,650
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