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Tehama County, California FHA, VA, and USDA Home Loan Information

Seal of Tehama County, CA

Table of Contents

What are the government loan limits in Tehama County, CA?
What parts of Tehama county are eligible for USDA loans?
Do I need flood insurance?
How do I learn about Property Taxes in Tehama County
What is the median home price in Tehama County, CA?
How many people live in Tehama 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 Tehama
About Tehama County
Approved Condominium Projects in Tehama County
How much of a loan can I qualify for, based on my income?

FAQ

What are the government loan limits in Tehama County?

  • FHA Loan Limit $331,760 (Single family residence) / $424,800 (Duplex) / $513,450 (Triplex) / $638,100 (Fourplex)
  • USDA Loan Limit $339,000
  • 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 Tehama county are eligible for USDA loans?

All of Tehama County is eligible for a USDA Rural Development home loan.
Eligible Zip Codes: 96021, 96029, 96035, 96055, 96059, 96061, 96075, 96080

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Do I need flood insurance?

The FHA, USDA, and VA all require flood insurance in Special Flood Hazard Areas. In Tehama County, flood areas are mostly confined to riverfront properties and unincorporated areas. Areas with higher elevation, like Western Red Bluff have lower flood risk.

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How do I learn about Property Taxes in Tehama County?

Kenneth L. Brown is the current Tehama County Assessor. His office is located in Red Bluff. In addition to stopping by the office, you use the county’s online parcel search to get an up-to-date look at property and land values in Tehama County.


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

As of February 2020, the median home price in Tehama County is $203,000

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How many people live in Tehama County?

The total population of Tehama County is 63,916.

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What are the major cities?

Three of the largest communities in Tehama County are: Red Bluff, Corning, Gerber.

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

You can view all of the properties available for sale in Tehama County through the Multiple Listing Service.

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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. For more information about real estate agents, click here.

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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 Tehama County

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

Tehama County is all about healthy, relaxed living. Located halfway between Sacramento and the Oregon border, Tehama is only a day away from both Seattle and Los Angeles.

Home prices in Tehama are half the California average. In addition, you can say goodbye to the notion of “California traffic.” The average commute in Tehama County is only 23 minutes. In addition to a low cost of living and quick commute,

Additionally, Tehama County is a great place to start a small business. Truly, the community in Tehama is dedicated to supporting their local businesses. Moreover, Tehama County also has a rich artistic culture. The State Theater in Red Bluff showcases cultural arts from throughout the county. Thanks to the low cost of living and natural beauty, Tehama has a lot to offer someone seeking inspiration.

But Tehama County isn’t all about work! County residents love to get outdoors and appreciate Tehama’s natural beauty. From quiet summer days boating and fishing on the Sacramento River to winter adventures snowshoeing in Lassen Volcanic National Park, there’s plenty to do throughout Tehama County.

Tehama County also prides itself on its patriotism. You’ll see US flags on display throughout the summer. In addition, the veteran population in Tehama County is almost 1 ¾ times higher than the California average. To support this population, the county offers free lifetime bus rides to local veterans.

If you’re looking for a home in Tehama County, contact FedHome Loan Centers to be matched with a licensed real estate agent.

Approved Condos in Tehama County

There are currently no FHA- or VA-approved condos in Tehama County. Nonetheless, if you’re looking for a condo in that area, give us a call (877-432-5626) and we can help you start the condo-approval process.


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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