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

Mendocino County is know for its farms, forests, and shoreline.

Table of Contents

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

What parts of Mendocino county are eligible for USDA loans?

Do I need flood insurance?

How do I learn about Property Taxes in Mendocino County

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

How many people live in Mendocino 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 Mendocino

About Mendocino County

Approved Condominium Projects in Mendocino County

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

FAQ

What are the government loan limits in Mendocino County?

  • FHA Loan Limit $409,400 (Single family residence) / $524,100 (Duplex) / $633,500 (Triplex) / $787,300 (Fourplex)
  • USDA Loan Limit $373,750
  • 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 Mendocino county are eligible for USDA loans?

All of Mendocino County is eligible for USDA Rural Development loans.

Eligible Zip Codes: 95410, 95415, 95417, 95420, 95427, 95428, 95429, 95432, 95437, 95445, 95449, 95454, 95456, 95459, 95460, 95463, 95466, 95468, 95469, 95470, 95481, 95482,95488, 95490, 95494, 95585, 95587

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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. In Mendocino County there are many flood plains, especially in the low-lying 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 Mendocino County?

For questions about property tax, you can get in touch with the Mendocino County Assessor, Katrina Bartolomie. Her office is located at
501 Low Gap Road, Room 1020
Ukiah, CA 95482

In addition, you can contact the Assessor about appraisals or to see if you qualify for property tax exemptions. The county offers them for disabled veterans, homeowner-occupiers, or senior citizens. Buyers can also apply to have the value of existing solar panels excluded from the assessment.

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 Mendocino County, CA?

As of March 2020, the median home price in Mendocino County is $664,700 and the median household income is $49,233.

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How many people live in Mendocino County?

Mendocino County has a population of 87,606.

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What are the major cities?

The largest city in Mendocino County is the county seat at Ukiah, which has a population of 16,075. The next-largest city is Fort Bragg, with a population of 7,273. The other cities and communities all have fewer than 5,000 residents.

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

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

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

Mendocino County is located on the Northern California coast. The county can be divided into three regions: the coast, the forest, and the inland mountains and valleys. Along the coast, you’ll see rocky shoreline and scattered pristine beaches. Further inland are alpine lakes. Finally, there are the magnificent redwood forests that make Northern California famous.

Local Business

In addition to its stunning scenery, Mendocino County is known for it’s tourism and laid back local culture. The county is home to hundreds of small, local businesses. In addition, the West Business Development Center is a non-pro fit that helps small businesses get started in Mendocino and Lake Counties. They offer free, confidential business advising to help you prepare a business plan and take the steps you need to have a successful launch.

Small businesses can also secure funding through the SBA loans. These loans exist to help businesses get access to capital for which they would not otherwise qualify. SBA loans can be used to purchase real estate and equipment but they can also be used to open a line of credit or to expand exports and international trade.

Daily Life

Life in Mendocino County is informed by the diversity of the local landscapes. For example, Talmadge is known as the City of 10,000 Buddhas. That’s because it is home to one of the largest monasteries in the western hemisphere.

Meanwhile, down on the coast, residents celebrate the Mendocino Whale Festival each March. This 3-week celebration welcomes the California grey whale on its southward migration and is a great chance to get a taste of the local cuisine. You can enjoy chowder, crab, or beer from one of the many local venues – plus an ocean view.

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Approved Condos in Mendocino County

There are currently no approved condominiums in Mendocino. If you want to get a condo approved, follow this link. At FedHome Loan Centers, 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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