A 3rd party broker that specializes in mortgages guaranteed by the US government

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

Seal of Humboldt County, California
Humboldt County is known for its giant redwoods and beautiful lakes.

Table of Contents

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

What parts of Humboldt county are eligible for USDA loans?

Do I need flood insurance?

How do I learn about Property Taxes in Humboldt County

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

How many people live in Humboldt 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 Humboldt

About Humboldt County

Approved Condominium Projects in Humboldt County

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

FAQ

What are the government loan limits in Humboldt County?

  • FHA Loan Limit $345,000 (Single family residence) / $441,650 (Duplex) / $533,850 (Triplex) / $663,450 (Fourplex)
  • USDA Loan Limit $343,200
  • 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).


Back to top

What parts of Humboldt county are eligible for USDA loans?

Except for the city of Eureka, all of Humboldt County is eligible for USDA Rural Development loans. This includes the city of Arcata as well as areas like Hoopa and Mckinleyville.

Eligible Zip Codes: 95511, 95514, 95519, 95521, 95524, 95525, 95526, 95528, 95536, 95537, 95540, 95542, 95546, 95547, 95549, 95550, 95551, 95552, 95553, 95554, 95555, 95556,95558, 95559, 95560, 95562, 95564, 95565, 95569, 95570, 95571, 95573, 95589

Back to top

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. In Humboldt County, flood zones are along the coast and in many of the unincorporated areas. In addition, the county has special regulations on development in coastal zones.

Back to top

How do I learn about Property Taxes in Humboldt County?

The County Assessor for Humboldt County is Mari A. Wilson. Her office is at: 825 5th Street Room 300 Eureka, CA 95501
Hours: Monday – Friday 8:30 a.m. – 5 p.m. Closed on County Holidays


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.


Back to top

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

As of February 2020, the median home price in Humboldt County is $366,000 and the median household income is $45,528.

Back to top

How many people live in Humboldt County?

The total population of Humboldt County is 136,373. In addition, there are less than 38 people per square mile. This not only gives residents the space to enjoy the solitude of the forests, it gives them a shorter average commute at just 18 minutes.

Back to top

What are the major cities?

Eureka is the largest city in Humboldt County and is also the county seat. Other major cities include Arcata, Fortuna, and Trinidad. In addition there are dozens of smaller communities like Elk River and Orick. The county is also home to eight Indian Reservations, the fifth-most in the United States. The Hoopa Valley Indian Reservation is the largest in the state of California.

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

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

Back to top

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.

Back to top

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.

Back to top

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 Humboldt County

Are you interested in buying a home in Humboldt? 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 Humboldt 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 Humboldt 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 Humboldt 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!

    Back to top

About Humboldt County

Located on the northern coast of California, Humboldt County is famous for its dense redwood forests and beautiful coastline. Whether it’s in the city of Eureka or out in the county’s rural mountains, life in Humboldt is all about getting outside and appreciating the natural beauty all around you.

Business in the County

Humboldt County is also an up-and-coming place for small businesses. The county’s economy has changed in recent decades, shifting from timber and fishing towards tourism, specialty food & beverages, and niche manufacturing. This provides plenty of opportunity for a new business to take hold.

The North Coast Small Business Development Center provides resources, training, and advice for people looking to start a business in Northern California.

Some businesses might even be able to benefit from local grants. For example, businesses that relate to Humboldt County’s economic development strategy might qualify for a Headwaters Fund grant.

In addition, the Small Business Administration (SBA) provides loans to help you get equipment, buy real estate, or expand your working capital. Because they’re government-backed, it can be easier your business to get an SBA loan, especially if it’s new or in an industry that conventional loans consider “risky.”

Humboldt Schools

Humboldt County also provides great options for both K-12 and higher education. In addition to the county’s K-8 and high schools, the Humboldt Virtual Academy is a publicly-funded school that provides online education for students in Grades 6-12.

In addition, the county’s many academic programs help prepare local students for careers and college. For example, the Innovate! Business Challenge awards $2,500 grand prizes to high school students with winning business proposals.

For higher education, the College of the Redwoods and Humboldt State University provide two excellent opportunities to get a college degree. These schools have a low student-faculty ratios and the forest environment provides a great atmosphere for learning.

Daily Life

Daily life in Humboldt County offers plenty of cultural and social activities. For example, you can head over to the Ink People Center for the Arts to appreciate local artists or maybe even display some work of your own. The Eureka Arts & Culture Commission supports the local arts scene and helps to bring great exhibitions and events to the city.
In addition, jazz-lovers won’t want to miss the annual Redwood Coast Jazz Festival. This festival is one of the largest on the West Coast and attracts acts from all over. In addition, the Blues by the Bay Festival celebrates local blues musicians.
Movie buffs will appreciate the hard work of the Humboldt Del Norte Film Commission, which works to support filmmaking in the area. Local Film Makers Night showcases artists from around the cunty. In addition, you can check out Martini Matinees at the Eureka Theater all winter long.

People love life in Humboldt County because of the beautiful forests, pristine beaches, and vibrant arts and culture scene. Whether getting an education, opening a new business, or enjoying that sub-20 minute commute, there’s plenty to enjoy.

Back to top

Approved Condos in Humboldt County

There are currently no FHA- or VA-approved condos in Humboldt County. Nonetheless, if you’re looking for a condo in that area, contact us and we can help you start the condo-approval process. FedHome Loan Centers can get almost any condo approved.

Back to top


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.

Back to top