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

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Table of Contents

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

What parts of Fresno county are eligible for USDA loans?

Do I need flood insurance?

How do I learn about Property Taxes in Fresno County

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

How many people live in Fresno 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 Fresno

About Fresno County

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

Approved Condominium Projects in Fresno County

FAQ

What are the government loan limits in Fresno County?

  • FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
  • USDA Loan Limit $296,950
  • 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 Fresno county are eligible for USDA loans?

Much of Fresno County is eligible for USDA Rural Development home loans. This includes parts of Fresno as well as areas like Selma, Kerman, and Caruthers. The only cities that are entirely excluded are Clovis and Pinedale.

Eligible Zip Codes: 93210, 93234, 93242, 93602, 93603, 93604, 93605, 93606, 93608, 93609, 93616, 93621, 93622, 93624, 93625, 93626, 93627,93628, 93630, 93631, 93634, 93640,93641, 93642, 93646, 93648, 93649, 93651, 93652, 93654, 93656, 93657, 93660, 93662, 93664,93667, 93668, 93675, 93723,93725

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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 Fresno County are mostly along the rivers and in flat farming areas. Your agent can help you to check whether a property will require flood insurance.

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How do I learn about Property Taxes in Fresno County?

Paul Dictos, CPA is the County Assessor for Fresno County. His office in the City of Fresno can be found at:
Hall of Records
2281 Tulare Street
Room 201
Fresno, CA 93721

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 Fresno County, CA?

As of February 2020, the median home price in Fresno County is $304,000. In addition, the median household income is $51,261.

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How many people live in Fresno County?

The total population of Fresno County is 994,400. In addition, the county is home to 36,691 veterans. Agriculture is the county’s main industry. More specifically, the county is known for its grapes, cotton, and turkey. Other major employers are in healthcare, the military, and the government.

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What are the major cities?

The largest city in Fresno County is, appropriately, the City of Fresno. 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?

You can view all of the properties available for sale in Fresno 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 Fresno County

Are you interested in buying a home in Fresno? 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 Fresno 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 Fresno 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 Fresno 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 Fresno County

Fresno County is home to the fifth-largest city in California, the City of Fresno. However, there is more to the county than just its largest city. Communities in the county range from urban to totally rural. In addition, you can find everything from farmland to redwood forests. Fresno County offers both economic opportunity and beautiful scenery.

Fresno County Schools

Another area where Fresno County excels is in education. In addition to the county’s K-12 schools, the there are several great local colleges and universities. The California State University at Fresno and the community colleges in Clovis, Fresno, and Reedley provide a chance for local students to get an education without traveling far from home.

Doing Business in Fresno

Fresno County is also a great place for small businesses. The county has sponsored several incentive programs to help businesses get their start in Fresno. For example, some businesses can qualify for a 25% reduction on their electric bills for a period of 5 years. Another program has established a Foreign Trade Zone, where businesses can delay, reduce, or even eliminate customs duties on imports.

In addition to these incentives, loans through the Small Business Administration (SBA) help local businesses get going and stay afloat. SBA loans can be used for remodels, working capital, and even to purchase equipment or real estate. If you’re looking to open a business in Fresno, you can check out our complete guide to SBA loans.

Recreation

One thing that draws people to Fresno County is the natural beauty found within. The county is home to part of Sequoia National Forest and Kings Canyon National Park. You don’t have to travel far to get away from it all in Fresno County. These national parks and forests offer plenty of chances to go hiking, star gazing, and camping.

What’s more, there are so many attractions in Fresno County that you are sure to never get bored! The Chaffee Zoo is a popular tourist attraction and is home to many interesting wildlife species. The Sayoran Theatre is the best place to see a great stage production, dance recital, or musical act. Be sure to check out an excellent performance by the Fresno Philharmonic. Fresno County is home to many local sports teams, including hockey and baseball.

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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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Approved Condos in Fresno County

Below you will find the current VA- and FHA-Approved Condos in Fresno County. Don’t see the condo project you’re looking for? Follow this link, and we can help you get your condo approved.

FHA-Approved Condos

CALIMYRNA ESTATES*
S000041 001 1696A W CALIMYRNA AVE
FRESNO, CA 93711 FRESNO HRAP ALL 38 UNITS IN PROJECT.

*CALIMYRNA ESTATES, FRESNO COUNTY TRACT NO. 2346 Exists
Recorded/
Uploaded No 18.42% Approved 04/16/2018 04/16/2020
CASITAS VAN NESS-2267 & 2564**
S000034 001 5099 N VAN NESS BLVD
FRESNO, CA 93711 FRESNO HRAP **TRACT 2267 CASITAS VAN NESS,TRACT 2564 CASITAS VAN NESS NO.2—- TOTAL UNITS(BOTH TRACTS) = 48 UNITS. Exists
Recorded/
Not Uploaded No 4.16% Approved 04/11/2018 04/11/2020
HUNTINGTON PARK CONDOMINIUM**
S013596 001 2890 HUNTINGTON BLVD
FRESNO, CA 93721 FRESNO HRAP ALL 88 UNITS IN PROJECT.

**HUNTINGTON PARK CONDOMINIUM VILLAGE ASSOCIATION Exists
Recorded/
Uploaded No 3.40% Approved 04/09/2019 04/09/2021
KEARNEY MANOR ESTATES
S014418 001 511 S DEL NORTE AVE
KERMAN, CA 93630 FRESNO DELRAP ALL 8 UNITS WITHIN 3 BUILDINGS IN PROJECT. Exists
Recorded/
Uploaded No 0.00% Approved 10/07/2019 10/07/2021
PALM COURT GARDENS
S011381 001 6358 N PALM AVE
FRESNO, CA 93704 FRESNO HRAP ALL 20 UNITS IN PROJECT. Exists
Recorded/
Uploaded No 10.00% Approved 04/03/2018 04/03/2020

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