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

1-4 Person Households
5-8 Person Households
Alpine County, CA$340,000$449,000
Amador County, CA$306,000$391,000
Bakersfield, CA MSA$306,000$391,000
Calaveras County, CA$306,000$391,000
Chico, CA MSA$306,000$391,000
Colusa County, CA$306,000$391,000
Del Norte County, CA$306,000$391,000
El Centro, CA MSA$306,000$391,000
Fresno, CA MSA$306,000$391,000
Glenn County, CA$306,000$391,000
Hanford-Corcoran, CA MSA$306,000$391,000
Humboldt County, CA$306,000$391,000
Inyo County, CA$306,000$391,000
Lake County, CA$306,000$391,000
Lassen County, CA$306,000$391,000
Los Angeles-Long Beach-Glendale, CA HUD Metro FMR Area$417,000$535,000
Madera, CA MSA$306,000$391,000
Mariposa County, CA$306,000$391,000
Mendocino County, CA$306,000$391,000
Merced, CA MSA$306,000$391,000
Modesto, CA MSA$306,000$391,000
Modoc County, CA$306,000$391,000
Mono County, CA$323,000$417,000
Napa, CA MSA$391,000$517,000
Nevada County, CA$323,000$417,000
Oakland-Fremont, CA HUD Metro FMR Area$535,000$707,000
Oxnard-Thousand Oaks-Ventura, CA MSA$417,000$535,000
Plumas County, CA$306,000$391,000
Redding, CA MSA$306,000$391,000
Riverside-San Bernardino-Ontario, CA MSA$306,000$391,000
Sacramento--Roseville--Arden-Arcade, CA HUD Metro FMR Area$340,000$431,000
Salinas, CA MSA$357,000$466,000
San Benito County, CA HUD Metro FMR Area$408,000$517,000
San Diego-Carlsbad, CA MSA$449,000$587,000
San Francisco, CA HUD Metro FMR Area$725,000$845,000
San Jose-Sunnyvale-Santa Clara, CA HUD Metro FMR Area$657,000$845,000
San Luis Obispo-Paso Robles-Arroyo Grande, CA MSA$357,000$466,000
Santa Ana-Anaheim-Irvine, CA HUD Metro FMR Area$466,000$622,000
Santa Cruz-Watsonville, CA MSA$552,000$742,000
Santa Maria-Santa Barbara, CA MSA$449,000$587,000
Santa Rosa, CA MSA$431,000$569,000
Sierra County, CA$306,000$391,000
Siskiyou County, CA$306,000$391,000
Stockton-Lodi, CA MSA$306,000$391,000
Tehama County, CA$306,000$391,000
Trinity County, CA$306,000$391,000
Tuolumne County, CA$306,000$391,000
Vallejo-Fairfield, CA MSA$340,000$449,000
Visalia-Porterville, CA MSA$306,000$391,000
Yolo, CA HUD Metro FMR Area$357,000$449,000
Yuba City, CA MSA$306,000$391,000
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