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

Seal of Shasta County, CA
Shasta County is a great place to enjoy mountain scenery and warm days by on the lake.

Table of Contents

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

What parts of Shasta county are eligible for USDA loans?

Do I need flood insurance?

How do I learn about Property Taxes in Shasta County

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

How many people live in Shasta 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 Shasta

About Shasta County

Approved Condominium Projects in Shasta County

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

FAQ

What are the government loan limits in Shasta County?

  • FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex) (Fourplex)
  • USDA Loan Limit $351,040
  • VA Home Loan Limit $0 down up to $3,000,000 / 2 open VA loans at one time $510,400 *(Call 888-573-4496 for details).


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What parts of Shasta county are eligible for USDA loans?

Other than parts of Redding, all of Shasta County is eligible for USDA Rural Development home loans.

Eligible Zip Codes: 96003, 96007, 96008, 96013,96016, 96017, 96019, 96022, 96028, 96033, 96040, 96047, 96051, 96056, 96062, 96065, 96069, 96071, 96073, 96076, 96084, 96087, 96088, 96096

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Do I need flood insurance?

The FHA, USDA, and VA all require flood insurance in Special Flood Hazard Areas. In Shasta County, areas near the Sacramento River and low-lying parts of Redding are most likely to be in flood zones. Your agent can help you check a property’s flood risk.

In addition, FEMA recommends that you get flood insurance on properties in areas that were damaged by the fire – even if it is not required.



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How do I learn about Property Taxes in Shasta County?

Leslie Morgan is the Assessor-Reorder in Shasta County. Her office is located in Redding at: 1450 Court St, Ste 208A Redding, CA 96001-1667 Phone: (530) 225-3600 Fax: (530) 225-5673 Toll Free: 1(800) 479-8009


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 Shasta County, CA?

The median home price in Shasta County is $294,780, as of February 2020.

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How many people live in Shasta County?

Shasta County has a population of 180,040. It is also home to 14,355 veterans. Since the county stretches over 3,775 square miles, there are only about 47 people per square mile in Shasta. That means that you get plenty of space to appreciate the quiet and natural beauty of the region.

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What are the major cities?

Much of Shasta County is made up of rural communities. That being said, the largest city, Redding, is home to over 90,000 people. That’s about half the entire population of the county.

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

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

Are you interested in buying a home in Shasta? This is a step by step guide to all the ins and outs of the homebuying process. For even more information, click this link to get in touch with us.
For now, let’s look at the basic steps to buying a home – and what you’ll have to look out for in Shasta 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 Shasta 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 Shasta 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 Shasta County

Experience the beauty of Northern California in Shasta. Home to many beautiful outdoor locations, Shasta County is a great place for nature-lovers. The county also has many attractions, so you are sure to never be bored! What’s more, the county has a rich history. That’s because Shasta was one of the original California counties created in 1850. The county was named after the majestic Mount Shasta.

One of the main things that draws people to Shasta County is the stunning outdoor scenery. Between Mount Shasta and Lake Shasta, there’s no end to outdoor activities you can enjoy. Whether skiing down or climbing up the mountain, boating on the lake, or relaxing on the shore, there are plenty of ways to enjoy the scenery.

In addition, over half of Shasta County is in national forest land. These forests provide great places for camping, swimming, and boating. You can also explore the Lake Shasta Caverns and Lassen Volcanic Natural Park to see a different side of Shasta. In addition to its famous forests and lakes, the natural beauty of Shasta extends to the rocks themselves.

Shasta Schools and Community Life

Shasta County also works hard to provide for local students. The county has special independent study and STEM programs. There is even a chance for high school students to specialize in environmental science. What’s more, the county offers college scholarships to local high school students who attended all four years in Shasta County.

In this county, learning extends outside the classroom. There are plenty of local museums that provide a chance to have fun while learning more about the area. The Turtle Bay Museum has something for people of all ages, including hands-on exhibits, live entertainment, and tours. It also features a beautiful arboretum and botanical garden. There is also the Shreder Planetarium, which features a domed theatre and stargazing parties.

Although much of the county is rural, there are also plenty of community events in Shasta County. During Rodeo Week, held every year in May, bull riders and 4-H participants show off their skills. There is also the Fiddler’s Jamboree, where you can hear some distinctive mountain music. In the summer, you can enjoy the Strawberry Festival and taste some locally-grown produce. From the Fall River Valley Century Bike Ride to the fireworks displays on Fourth of July, there’s always something to do.

All in all, Shasta County is a great place for nature lovers who still want to have a sense of community nearby. Are you thinking of buying a home in Shasta County? Contact FedHome Loan Centers to be matched with a licensed real estate agent.

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Approved Condos in Shasta County

Currently there are no VA- or FHA-Approved condominiums in Shasta County. To see about getting a condo project approved, call FedHome Loan Centers at 877-432-5626.

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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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