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

Seal of Kings County, California

Table of Contents

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

What parts of Kings county are eligible for USDA loans?

Do I need flood insurance?

How do I learn about Property Taxes in Kings County

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

How many people live in Kings 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 Kings

About Kings County

Approved Condominium Projects in Kings County

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

FAQ

What are the government loan limits in Kings County?

  • FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
  • USDA Loan Limit $251,862
  • 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 Kings county are eligible for USDA loans?

Except for the city of Hanford (zip code 93230), all of Kings County is eligible for USDA Rural Development home loans.

Eligible Zip codes: 93202, 93204, 93212, 93239, 93245, 93266

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Do I need flood insurance?

The FHA, USDA, and VA all require flood insurance in Special Flood Hazard Areas. In Kings County, flood zones are mostly confined to the low-lying agricultural areas. However, your agent can help you determine whether a property would require flood insurance

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How do I learn about Property Taxes in Kings County?

The Kings County Assessor is Kristine Lee. Her office is at: Kings County Government Center 1400 W. Lacey Blvd. Hanford, CA. 93230 Phone (559) 852-2486 FAX (559) 582-2794
Office Hours: Monday – Friday 8:00 a.m. – 5:00 p.m.
Owner-occupiers and disabled veterans in California can be eligible for some property tax relief. In addition, seniors 55 and older can get exemptions from some property tax. You can apply for this tax relief through the County Assessor’s Office.


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

As of February 2020, the median home price in Kings County is $204,800.

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How many people live in Kings County?

The population of Kings County is 151,366. However, there are only about 110 people per square mile in the county. This makes the morning commute short, despite its rural location. It takes less than 23 minutes for residents to get to work. As for the kind of work, the main industries are healthcare, transport, and service and the median household income is $53,865.

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What are the major cities?

The largest city in Kings county is the county seat, Hanford. It is also home to over a third of the county’s population. Corcoran and Lemoore are the two next-largest cities, but most of the county is spread across different rural communities.

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

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

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

Kings County in California possesses a rich history, evidenced by its many historical landmarks. Many of these historical sites are fond along the majestic Kings River, which gave the county its name. For example, the Cox & Clark Trading Post and Steam Boat Landing speak to the long history of river trade in the region.

Today, Kings County is still very connected to the river and to the land. The region is full of farms and orchards. The University of California runs a program to teach children and adults about farming and gardening.

Local schools in Kings County also prioritize education. They have established a distance learning program, complete with interactive video classes. The county is home to 34 elementary schools, 12 alternative high school programs, and 6 traditional high schools.

Kings County and the Arts

Kings County is also home to a vibrant artistic scene. The Kings Art Center is a great resource for local artists – and a must-see for local art-lovers. The contests and events at the Arts Center give people a chance to display their work and provide an entry into the Kings County artistic community. The Center also provides classes for people of all ages. As for live entertainment, the Hanford Fox Theatre and the Temple Theatre provide plenty of chances to see plays, musicals, and other performances.

Another artistic base in the county is the Clark Center for Japanese Art and Culture. In addition to its artistic collection, the center is also home to the Friendship Garden. This beautiful garden is a great place to relax and take in different plants and new landscapes.

Whether it’s the quiet life, the many gardens and museums, or the buzzing arts scene, there is a lot to enjoy about life in Kings County, California.

If you are looking to make Kings County your home, click here to contact FedHome Loan Centers to be matched with a licensed real estate agent.

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Approved Condos in Kings County

Currently there are no VA- or FHA-approved Condos in Kings County. To see about getting a condo project approved, call FedHome Loan Centers at 877-432-5626. We’re able to get approval for most condominiums.

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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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