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Amador County, California Federal Loan Information

Daffodil Hill, in Amador County, California By Vince Migliore, CC BY 3.0

Table of Contents

What are the government loan limits in Amador County, CA?

What parts of Amador county are eligible for USDA loans?

Do I need flood insurance?

How do I learn about Property Taxes in Amador County

What is the median home price in Amador County, CA?

How many people live in Amador County?

What are the major cities?

How do I see FHA- and VA-Approved homes for sale?

Is there a cost to have a real estate agent represent me?

What closing costs do I need?

How can I get assistance with closing costs?

How to Buy a Home in Amador

About Amador County

Approved Condominium Projects in Amador County

How much of a loan can I qualify for, based on my income?

FAQ

What are the government loan limits in Amador County?

  • FHA Loan Limit $355,350 (Single family residence) / $454,900 (Duplex) / $549,850 (Triplex) / $683,350 (Fourplex)
  • USDA Loan Limit $332,350
  • VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $510,400 *(Call 877-432-5626 for details).


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What parts of Amador county are eligible for USDA loans?

All of Amador County is eligible for a USDA home loan.

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Do I need flood insurance?

The VA requires flood insurance on properties in Special Flood Hazard Areas. In Amador County, these regions mostly lie within the Sutter Creek overflow. Your agent can help you to determine if a specific property is in a flood zone.

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How do I learn about Property Taxes in Amador County?

The Amador County Assessor is Jim Rooney. His office is located in the city of Jackson.

Veterans, owner-occupiers, and senior citizens may be eligible for property tax relief. You can find out whether you qualify through the county assessor. In addition, the Assessor’s Office can do re-appraisals to determine property values and flood risks.


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What is the median home price in Amador County, CA?

As of February 2020, the median home price in Amador County is $375,000.

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How many people live in Amador County?

The county has a population of 39,383 and a median household income of $61,198. In addition there are only about 64 people per square mile. This means that Amador County has plenty of space to enjoy the peace, quiet, and natural beauty.

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What are the major cities?

The largest city in Amador County is, appropriately, the City of Amador. Other major cities include Clovis and Pinedale. The county is also full of small towns, like Orange Cove and Firebaugh.

How do I see FHA- and VA-Approved homes for sale?

The three largest communities in Amador County are Jackson, Ione, and Sutter Creek.

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Is there a cost to have a real estate agent represent me?

The seller must pay real estate professionals’ commission, not the buyer. This means that, as a homebuyer, there is no cost to have a real estate agent represent you. In fact, it’s a good idea to get your own agent in order to have someone in your corner during the negotiation process.

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What closing costs do I need?


For FHA loans, closing costs can end up being 3-4% of the loan amount. These costs include origination fees from the lender, any discount points purchased for a better interest rate, and pre-paid items like insurance and taxes.

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How can I get assistance with closing costs?

There are several ways to reduce the amount you have to pay at closing. One way is to get down payment assistance. The FHA’s Within Reach program provides grants to help low- and middle-income families with their down payment. There is also the CalHome program, which offers down payment assistance and to reduce or finance other closing costs.
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How to Buy a Home in Amador County

Are you interested in buying a home in Amador? This is a step by step guide to all the ins and outs of the homebuying process. For more detail about FHA loans, click here to get in touch.
For now, let’s look at the basic steps to buying a home – and what you’ll have to look out for in Amador County.

  1. Get in touch with a loan officer – give us a call at 877-432-5626

    We can help you figure out what type of loan you might qualify for. Programs through the VA, USDA, and FHA allow you to buy a home with a small down payment – or no down payment at all. We will also check your credit and income to see how much of a loan you can qualify for. When we do this, we do a “soft pull” on your credit. This is different from an official credit inquiry and won’t hurt your credit score.

  2. Compare loan offers.

    Either call us or fill out the form on this page.

  3. Give your Loan Officer the information they need to find you a loan

    For a purchase loan or cash-out refinance:

    • Your ID
    • Previous two years of W2s
    • Most recent 30 days paystubs
    • Most recent 60 days bank statements
    • Landlord and HR/Payroll Department contact info

    For a refinance loan, you will also need information on the loan you want to refinance.


  4. Compare Loan offers

    Compare the interest rates and APRS – but keep in mind that the fixed- and adjustable-rate mortgages are apples and oranges. Use the Loan Estimate to compare the true costs of each loan, both month-to-month and over the life of the mortgage.

  5. Find a home

    Get connected with a FedHome Loan Centers Real Estate Agent. Once you meet with them to talk about your wants and needs, you can sign up for the property search feed. This will give you alerts about homes for sale in Amador County. Now you’re ready to preview properties and start touring homes.

  6. Make an offer and negotiate the terms of the sale

  7. Get the necessary and recommended inspections

    Required Inspections:

    • Termite Inspection
    • Well or septic inspections, if applicable
    • We can help you check if your home is in one of the Amador County flood hazard areas.

    Recommended Inspections:
    Home Inspection, Roof Inspection, Sewer Inspection

  8. Get the home appraised

    Construction loans require a construction appraisal and permit approval

  9. Lock in your interest rate

    Pro Tip: Wait until the appraisal to lock in your loan rates. If it turns out you need to make repairs, it can push the closing back. Then you run the risk of losing that rate or having to pay an extension fee.

  10. Close the deal and get packing!

    You’re ready to go!

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About Amador County

Recreation

In Amador County, you can appreciate California’s natural beauty and the comforts of small-town living. The county was created in 1854 and rose to prominence during the gold rush. Miners found so much gold here that the area used to be known as “Mother Lode.”

Amador County was named after José María Amador, the rancher and soldier who kicked off gold mining in the area. In Spanish, Amador means “a person who loves,” and there is plenty to love about Amador County.

The largest city, Ione, is a family-friendly town located in the Amador foothills. In the small towns of Amador County, like Ione, Jackson, and Amador City, local businesses provide for all your needs.

Amador County is a great place to raise a family. The cities are very safe and the county is home to a wide range of educational programs. This includes both STEM and VAPA magnet schools, a state preschool, and adult education programs. The county also has six elementary schools and an independent study program.

Arts and Culture in Amador County

You can also benefit from Amador County’s rich cultural life. There are plenty of art museums – featuring work from local artists. There are also several theaters, where you can see everything from the latest blockbuster to Shakespeare on stage. What’s more, you’re only an hour away from Sacramento. In Amador county, you can get away from the stress of the city – but you’re still close enough to head back if you miss it.

Despite its rural nature, there is a real sense of community in Amador County. The local businesses come together throughout the county to celebrate “Plaid Friday.” Every Friday, you can get discounts at dozens of local business everywhere from Amador City to Sutter Creek. All you have to do is show up on Friday and wear plaid.

Once you step off Main Street and head out of town, you can appreciate Amador County’s beautiful hills, lakes, and rivers. Lake Camanche, the Pardee Reservoir, and the Mokelumne River are great for fishing, rafting, kayaking, or just relaxing on the shore. In addition, you can head underground and do a bit of spelunking in the region’s many caves.

All-in-all, for people who dream of a small-town life, close to nature and their community, Amador County has a lot to offer.

Approved Condos in Amador County

Currently there are no VA- or FHA-approved condos in Amador County. If you are looking to get a condominium approved, give us a call at 877-432-5626. We can get almost any condo approved!


How much of a loan can I qualify for, based on my income?

Monthly Income Purchase Price
$2,628.90 $195,175.91
$2,832.00 $210,254.55
$3,181.50 $236,202.27
$3,612.00 $268,163.64
$3,985.50 $295,893.18
$4,361.10 $323,778.64
$4,971.90 $369,125.91
$5,761.50 $427,747.73
$6,892.20 $520,625.00
$5,199.60 $368,791.82
$5,743.80 $408,815.91
$6,249.90 $450,287.73
$6,998.10 $501,960.45
$9,776.70 $725,845.91
$5,568.00 $413,381.82
$6,574.80 $488,129.09
$7,569.60 $561,985.45
$5,141.40 $381,710.00
$6,345.30 $471,090.45
$7,639.80 $567,197.27
$8,360.10 $620,674.09
$9,260.70 $687,536.82
$10,095.30 $749,499.55
$12,165.00 $903,159.09
$13,929.60 $1,034,167.27
$17,511.00 $1,300,059.09
$18,406.80 $1,366,506.06

Purchase Price subject to credit and income evaluation.
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