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Colusa County, California FHA, VA, and USDA Loan Information

Seal of Colusa County, California

Table of Contents

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

What parts of Colusa county are eligible for USDA loans?

Do I need flood insurance?

How do I learn about Property Taxes in Colusa County

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

How many people live in Colusa 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 Colusa

About Colusa County

Approved Condominium Projects in Colusa County

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

FAQ

What are the government loan limits in Colusa County?

  • FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
  • USDA Loan Limit $311,330
  • VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $510,400 *(Call 888-573-4496 for details).


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What parts of Colusa county are eligible for USDA loans?

All of Colusa County is located in areas that are eligible for USDA rural development home loans.

Eligible Zip Codes: 95912, 95932, 95950, 95955, 95970, 95979, 95987

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Do I need flood insurance?

The FHA, USDA, and VA all require flood insurance in Special Flood Hazard Areas. In Colusa County, the flood zones are mostly in overflows from creeks and streams. Still, your real estate agent can help you check if a property will require flood insurance.

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How do I learn about Property Taxes in Colusa County?

The County Assessor in Colusa is Arnold Gross Jr. His office is located at 547 Market Street Suite 101 Colusa, CA 95932


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 Colusa County, CA?

As of February 2020, the median home price in Colusa County is $339,000, about half the median price of homes statewide. The median household income is $62,100, which is about $10,000 higher than the rest of Northern California.

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How many people live in Colusa County?

Colusa County has a population of just 21,627 people. Of that, nearly 800 are Veterans. The county also has fewer than 19 people per square mile.

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What are the major cities?

The county seat is located in Colusa. Other major cities are Williams, Arbuckle, and Maxwell.

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

You can view all of the properties available for sale in Colusa County through the Multiple Listing Service. You can also see approved condos at the bottom of this page.

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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. Back to top

How to Buy a Home in Colusa County

Are you interested in buying a home in Colusa? This is a step by step guide to all the ins and outs of the homebuying process. For more detail about FHA loans, be sure to check out our complete guide. We also have an in-depth guide to VA loans and the USDA’s Rural Development home loan program.
For now, let’s look at the basic steps to buying a home – and what you’ll have to look out for in Colusa 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 Colusa 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 Colusa 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 Colusa County

Colusa County is a small county in Northern California, which is home to beautiful forests and rolling hills. While known for its open spaces and small-town feel, Colusa County is not so far removed from California city life that you’d feel like you were missing out. The state capitol, Sacramento, is just an hour’s drive from the City of Colusa.

Agriculture is the main industry in Colusa County. In particular, the county is known for its rice and almonds. However, although farming represents about a third of employment in the county, there has recently been a spike in non-farm jobs. Outside of farm work, many residents find jobs in government and manufacturing. Additionally, Colusa County is growing faster than most of Northern California.

Recreation and Culture in Colusa County

If you are a fan of the outdoors, then you will love the many scenic locations in Colusa County, which include state parks and wildlife areas. The Colusa National Wildlife Refuge is home to a multitude of different wildlife species, including waterfowl and several endangered plant species. Bringing in hunters from all over California, the Colusa National Wildlife Refuge is a popular spot for hunting waterfowl.

In addition, the Mendocino National Forest is home to many affordable camp sites. Thanks to its unique rock formations, it’s a great place for amateur rock hounds to explore. Other great outdoor spots in Colusa County include the Delevan National Wildlife Refuge and the Butte Sink National Wildlife Refuge.

Life in Colusa County isn’t just about the outdoors. The region also has plenty of historical and cultural events. The Sacramento Valley Museum is home to many interesting exhibits and artifacts showcasing the history of California. The museum also hosts tours and special events where people of all ages can learn about their local history. Speaking of events, the Colusa County Fairgrounds are the perfect place to attend or host an excellent event! You can swing by the Fairgrounds to see anything from live music to car shows.

Contact FedHome Loan Centers to be matched with a licensed real estate agent.

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Approved Condos in Colusa County

Currently there are no VA- or FHA-Approved condominiums in Colusa County. To see about getting a condo project approved, click this link. We can get almost any condo approved!

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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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