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Del Norte County, California FHA, VA, and USDA Loan Information

Seal of Del Norte, California
Del Norte County offers spectacular ocean views.

Table of Contents

What are the government loan limits in Del Norte County, CA?

What parts of Del Norte county are eligible for USDA loans?

Do I need flood insurance?

How do I learn about Property Taxes in Del Norte County

What is the median home price in Del Norte County, CA?

How many people live in Del Norte 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 Del Norte

About Del Norte County

Approved Condominium Projects in Del Norte County

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

FAQ

What are the government loan limits in Del Norte County?

  • FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
  • USDA Loan Limit $345,060
  • 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 Del Norte county are eligible for USDA loans?

All of Del Norte County is eligible for a USDA Rural Development home loan.

Eligible Zip Codes: 95531, 95538, 95543, 95548, 95567

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Do I need flood insurance?

The USDA, FHA, and VA all require people to purchase flood insurance on homes located in Special Flood Hazard Areas. The flood zones in Del Norte County are mostly found along the coast. Your agent can help you to figure out whether a property is in a flood hazard area.

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How do I learn about Property Taxes in Del Norte County?

The County Assessor in Del Norte is Jennifer Perry. Her office is located at: 981 H Street, Suite 120 Crescent City, CA 9553


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 Del Norte County, CA?

As of February 2020, the median home price in Del Norte County is $299,000. The median household income is $45,258.

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How many people live in Del Norte County?

The total population of Del Norte County is just 27,828. This means you can say goodbye to worrying about morning traffic. On average, it only takes 14 minutes to get to work. What’s more, there are only about 28 people per square mile throughout the county. Because everyone is so spread out, residents can enjoy Del Norte’s natural beauty in tranquility.

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What are the major cities?

The largest city in Del Norte County is the county seat, at Crescent City. This city is home to almost a quarter of the county’s population. Other major communities are in Bertsch-Oceanview and Fort Dick. The county is also home to four Native American reservations, the largest of which is the Yurok Reservation.

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

You can view all of the properties available for sale in Del Norte 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.
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How to Buy a Home in Del Norte County

Are you interested in buying a home in Del Norte? 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 more information,

  • 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.

  • Compare loan offers.

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

  • 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.


  • 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.

  • 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 Del Norte County. Now you’re ready to preview properties and start touring homes.

  • Make an offer and negotiate the terms of the sale

  • 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 Del Norte County flood hazard areas.

    Recommended Inspections:
    Home Inspection, Roof Inspection, Sewer Inspection

  • Get the home appraised

    Construction loans require a construction appraisal and permit approval

  • 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.

  • Close the deal and get packing!

    You’re ready to go!

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  • About Del Norte County

    Located on the Northern edge of California, Del Norte County is where California meets the Pacific Northwest. In Del Norte, you can head to the beach or to the redwood forests, all within the same day. Crescent City, the county seat, is known for its outdoor living. And once you get out of the city, Del Norte County has plenty of rural communities that appreciate the country life style. It is also still home to several Native American nations.

    The local school district has 8 elementary schools, a middle school, and 2 high schools. In addition, it has some of the highest graduation rates in all of California. Kids also won’t be complaining about their school lunches; the district has been recognized by the USDA for their use of local, healthy foods.

    Economically, Del Norte County is starting to move away from its agricultural roots. The fastest-growing areas are in healthcare and government work. Many of the government workers in Del Norte County are teachers at the local public schools.

    Local Culture

    When it comes time to relax, you can’t beat the atmosphere of Del Norte County. This is partially because the county is home to some of the most beautiful beaches in the country. Unlike the beaches of Southern California, you won’t have to fight for a spot to lay down your towel up in Del Norte County. Instead, you can enjoy the calls of local birds and the crash of the waves at Pelican State Beach in peace. The beaches also offer excellent opportunities for boating and deep sea fishing.

    There are several state parks in Del Norte County, which provide excellent opportunities for camping, hiking, cycling, and more! You can go for a hike in the Del Norte Coast Redwoods State Park to see some of the most amazing forests. Other great state parks in Del Norte County include Jedediah Smith Redwoods State Park, Castle Rock National Wildlife Refuge, and Tolowa Dunes State Park.

    The county also has plenty of galleries and a thriving artistic scene. The Crescent Harbor Gallery is home to the works of regional and local artists. They even offer walking tours to people who want to check out local art. Other great art galleries include Talking Crow Studio, Smith River, Oscar and Jean Johnston Gallery, and many more.

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    Approved Condos in Del Norte County

    There are currently no FHA- or VA-approved condos in Del Norte County. Nonetheless, if you’re looking for a condo in that area, give us a call and we can help you start the condo-approval process.

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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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