A 3rd party broker that specializes in mortgages guaranteed by the US government

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

Seal of Yuba County, California
Yuba County is known for its farms, ranches, and forests.

Table of Contents

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

What parts of Yuba county are eligible for USDA loans?

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

Do I need flood insurance?

How do I learn about Property Taxes in Yuba County

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

How many people live in Yuba 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 Yuba

About Yuba County

Approved Condominium Projects in Yuba County

FAQ

What are the government loan limits in Yuba County?

  • FHA Loan Limit $345,000 (Single family residence) / $441,650 (Duplex) / $533,850 (Triplex) / $663,450 (Fourplex)
  • USDA Loan Limit $311,900
  • 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).


Back to top

What parts of Yuba county are eligible for USDA loans?

Other than the city of Marysville, all of Yuba County is eligible for USDA Rural Development home loans.

Eligible Zip Codes: 95692, 95918, 95919, 95922, 95925, 95935, 95961, 95962, 95972, 95981

Back to top

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

Monthly IncomePurchase 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.

Back to top

Do I need flood insurance?

The FHA, USDA, and VA all require flood insurance in Special Flood Hazard Areas. There are flood zones located throughout Yuba County, especially along the river and in flat farming areas. Your real estate agent can help you determine whether you need flood insurance for any given property.

Back to top

How do I learn about Property Taxes in Yuba County?

The County Assessor for Yuba is Stephen Duckels. You can reach him in his Maryville office at 749-7820. In addition, you can use the Assessor’s Office website to check property values using either the address or the parcel number.


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.


Back to top

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

As of February 2020, the median home price in Yuba County is $314,999.

Back to top

How many people live in Yuba County?

Yuba County has a population of 78,041. Partly due to the presence of Beale Airforce Base, about 13% of the county are veteran. In addition, the county’s median income is $52,624. Yuba County’s agriculture makes up much of the economy. Plus, parts of the county are only 30 minutes from Sacramento.

Back to top

What are the major cities?

Maryville is far and away the largest city in Yuba County. Other notable towns are Linda and Olivehurst. Other than that, the county is mostly made up of rural communities like Dobbins and Challenge.

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

You can view all of the properties available for sale in Yuba County through the Multiple Listing Service. You can also see approved condos at the bottom of this page.

Back to top

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.

Back to top

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.

Back to top

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.

How to Buy a Home in Yuba County

Are you interested in buying a home in Yuba? This is a step by step guide to all the ins and outs of the homebuying process. For more information, or answers to specific questions, click here to get in touch with FedHome Loan Centers. We’ll be happy to help you with any questions you have.
For now, let’s look at the basic steps to buying a home – and what you’ll have to look out for in Yuba 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 Yuba 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 Yuba 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!

    Back to top

About Yuba County

Welcome to Yuba County, where you will find all the resources you need to live, grow, and thrive. Located in northern California, Yuba County is home to many scenic locations. In fact, the county has more types of native plants than anywhere else in the US. Truly, it is a great county for true nature-lovers.

In addition to its natural beauty, Yuba County boast a great school system. From kindergarten to community college, students in the area enjoy small class sizes and an excellent opportunity at an education. There are also the nearby universities in Chico and Davis for those looking to continue their studies.

Yuba County is very proud of its ties to the military community. The county celebrates the many heroes who have served our country at the Community Memorial Museum. There is also the Museum of Forgotten Warriors, which houses memorabilia dating back to the Revolutionary War.

The county is also proud of the cultural heritage brought by the railroad and the gold rush. For example, the beautiful Bok Kai Temple attests to the long history of Chinese families in the area. The Mary Aaron Museum provides plenty of information on early life in California. There you can learn how Yuba County got its start.

Business in Yuba County

Another thing Yuba County is known for is its booming farming industry. Whether you participate in farm life or not, you can still appreciate the literal fruits of Yuba’s ag businesses. The Marysville Peach Festival and Summer Stroll are both golden opportunities to taste some local produce.

In the fall you can head out to Bishop’s Pumpkin Farm and get a pumpkin straight from the patch. However, the best of all is the Taste of Yuba Festival. There are also wine and beer festivals, if you’re looking for something to wash down those delicious local dishes with.

To spend a nice day in the sun, be sure to check out one of the beautiful outdoor locations in the county. Collins Lake is a local favorite and offers some of the best opportunities for swimming, fishing, boating, and much more. Locals also enjoy camping in Sycamore Ranch, Willow creek, and Lake Minden. There are also plenty of great day hikes around Sutter Buttes.

Contact FedHome Loan Centers to be matched with a licensed real estate agent.

Approved Condos in Yuba County

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