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 |
