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Napa County, California FHA, VA and USDA Loan Information

Seal of Napa County, California

Table of Contents

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

What parts of Napa county are eligible for USDA loans?

Do I need flood insurance?

How do I learn about Property Taxes in Napa County

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

How many people live in Napa 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 Napa

About Napa County

Approved Condominium Projects in Napa County

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

FAQ

What are the government loan limits in Napa County?

  • FHA Loan Limit $764,750 (Single family residence) / $979,000 (Duplex) / $1,183,400 (Triplex) / $1,470,700 (Fourplex)
  • USDA Loan Limit $706,910
  • VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $764,750*(Call 888-573-4496 for details).


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What parts of Napa county are eligible for USDA loans?

Most of Napa County is eligible for USDA Rural Development loans, with the exception of the cities of Napa and American Canyon.

Eligible Zip Codes: 94508, 94515, 945362, 94567, 94573, 94574, 94576, 94599

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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 Napa County there are many flood plains, both in the City of Napa and in the unincorporated areas. Also, FEMA recommends people purchase flood insurance on lands that were previously damaged in wildfires.

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How do I learn about Property Taxes in Napa County?

For questions about property tax, you can get in touch with the Napa County Assessor, John Tuteur. His office is located at: 1127 First Street Suite A Napa, CA 94559

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 Napa County, CA?

As of March 2020, the median home price in Napa County is $785,000 and the median household income is $84,753.

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How many people live in Napa County?

Napa County has a population of 134,417. In addition, despite being home to a major Californian city and being close to the Bay Area, the average commute time is just 22 minutes.

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What are the major cities?

The City of Napa is the largest city, with a population of 76,915. It is also the county seat. The next-largest city is American Canyon, with a population of 19,454. All of the other cities have fewer than 6,000 residents. Some of the notable small towns in Napa County are Calistoga, St. Helena, and Deer Park.

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

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

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

Welcome to Wine Country! Napa County the premier grape growing and wine producing region in the country. Known for its rich soil, Napa County has a long tradition of farming, in addition to its world-famous vineyards. Plus, the cities of Napa and Calistoga are known for their amazing restaurant scene. Out side of the main cities, residents appreciate the clear views of the county’s rolling hills and big, blue skies.

Education

In addition to centuries of local knowledge, the county works to stay on the cutting edge of agricultural technologies. The University of California Cooperative Extension helps the general public to stay up to date on the newest developments in farming and growing.

Also, the local schools provide an education from kindergarten through community college. Plus, the nearby Sonoma State University and University of California schools offer four-year degrees without having to travel far from home.

Business

On top of this, Napa County has plenty of opportunities for local businesses. The county is a foodie’s paradise. With plenty of fresh produce, meat, and dairy supplied by local farmers, it’s no wonder the region has embraced farm-to-table eating.

Another benefit of living in Napa County is its central location – both Sacramento and San Francisco are within 50 miles of the county’s center. This means that the county benefits both as a tourist destination and because residents don’t have to go too far to take a trip to the big city.

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Approved Condos in Napa County

There are currently no approved condominiums in Napa. 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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