Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in California. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment.  Other USDA loan limits and resources can be viewed here:

USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs

USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.

California Guaranteed USDA Loan Limits

Area
1-4 Person Households
5-8 Person Households
Alpine County, CA$323,000$417,000
Amador County, CA$289,000$374,000
Bakersfield, CA MSA$272,000$340,000
Calaveras County, CA$289,000$374,000
Chico, CA MSA$272,000$340,000
Colusa County, CA$272,000$340,000
Del Norte County, CA$272,000$340,000
El Centro, CA MSA$272,000$340,000
Fresno, CA MSA$272,000$340,000
Glenn County, CA$272,000$340,000
Hanford-Corcoran, CA MSA$272,000$340,000
Humboldt County, CA$272,000$340,000
Inyo County, CA$289,000$374,000
Lake County, CA$272,000$340,000
Lassen County, CA$272,000$374,000
Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area$340,000$417,000
Madera, CA MSA$272,000$340,000
Mariposa County, CA$272,000$340,000
Mendocino County, CA$272,000$340,000
Merced, CA MSA$272,000$340,000
Modesto, CA MSA$272,000$340,000
Modoc County, CA$272,000$340,000
Mono County, CA$323,000$417,000
Napa, CA MSA$357,000$417,000
Nevada County, CA$306,000$408,000
Oakland-Fremont, CA HUD Metro FMR Area$417,000$417,000
Oxnard-Thousand Oaks-Ventura, CA MSA$374,000$417,000
Plumas County, CA$272,000$340,000
Redding, CA MSA$272,000$340,000
Riverside-San Bernardino-Ontario, CA MSA$272,000$357,000
Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area$306,000$408,000
Salinas, CA MSA$306,000$408,000
San Benito County, CA HUD Metro FMR Area$323,000$417,000
San Diego-Carlsbad, CA MSA$357,000$417,000
San Francisco, CA HUD Metro FMR Area$417,000$417,000
San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area$417,000$417,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA MSA$306,000$408,000
Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area$391,000$417,000
Santa Cruz-Watsonville, CA MSA$408,000$417,000
Santa Maria-Santa Barbara, CA MSA$340,000$417,000
Santa Rosa, CA MSA$323,000$417,000
Sierra County, CA$289,000$374,000
Siskiyou County, CA$272,000$340,000
Stockton-Lodi, CA MSA$272,000$357,000
Tehama County, CA$272,000$340,000
Trinity County, CA$272,000$340,000
Tuolumne County, CA$272,000$357,000
Vallejo-Fairfield, CA MSA$323,000$417,000
Visalia-Porterville, CA MSA$272,000$340,000
Yolo, CA HUD Metro FMR Area$306,000$408,000
Yuba City, CA MSA$272,000$340,000
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