Blog

California USDA loan blog

Local, plain-English guidance on buying with $0 down in California, where the USDA-eligible areas are, how the income limits work here, and how to tell whether your address qualifies.

USDA in California · Aug 14, 2026

USDA Loans in California: 2026 Income Limits, the Central Valley & $0 Down

USDA income limits in California start at $122,800 for a 1-4 person household and $162,100 for 5-8 in 2026, and run higher in costly counties. Nearly the whole Central Valley is eligible for $0-down financing.

Read the post →