USDA loan eligible properties in Lake County, CA 
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* cities most likely to have USDA loan eligible properties for sale.
Adams • Bartlett Springs • Bonanza Springs • Buckingham Park • Caldwell Pines • Castle Rock Springs • *Clearlake • *Clearlake Oaks • *Clearlake Riviera • *Cobb • Cooper • Enterprise • Ettawa Springs • Finley • Forest Lake • Four Pines • Glenbrook • Glenhaven • Harbin Springs • Harbin Springs Annex • *Hidden Valley Lake • Highland Springs • Hobergs • Hough Springs • • •
| What is a USDA Loan? |
| The USDA 502 Guaranteed Loan Program is designed to help homebuyers in eligible rural areas secure affordable housing with no down payment required. Backed by the U.S. Department of Agriculture, this loan offers competitive interest rates, flexible credit requirements, and lower mortgage insurance costs compared to conventional loans. Borrowers work with approved lenders, and the USDA provides a guarantee, reducing the lender’s risk and making homeownership more accessible. |
| Take the First Step Toward 0% Down Financing |
• Howard Springs • *Kelseyville • *Lakeport • Loch Lomond • *Lower Lake • *Lucerne • *Middletown • Mount Hannah Lodge • Newman Springs • *Nice • *North Lakeport • Parramore Springs • Pepperwood Grove • Pole Garden • Salminas Resort • Saratoga Springs • Seigler Springs • *Soda Bay • Sunrise Vista • *Upper Lake • Vann • Whispering Pines
browse list of realtors working in Lake CountyLake has agents ready to assist.
There are 289 USDA backed residential loans in Lake county with an average loan balance of $139,889. Over 93% of the loans helped first time home buyers. Borrowers were an average age of 41 years old. The typical appraised home value was around $139,487. On average the rural home size purchased with this loan was approximately 1,395 SqFt. Lake county applies the standard USDA income limits to determine loan eligibility. For a household of upto 4 people the income limit is $90,300. For a household of between 5 and 8 people the income limit is increased to $119,200.
The size of Lake County is roughly 3,442 square kilometers. There are no geographical USDA loan restrictions in this county. The influence score for Lake County is 3. Look below for the interactive county level map illustration below for more details.
A USDA loan is a mortgage option available to eligible homebuyers that is sponsored by the United States Department of Agriculture to promote homeownership in rural communities. USDA Loans, sometimes called "RD Loans," offer 100% financing options on eligible rural properties. USDAProperties can help you find USDA loan eligible properties in Lake County.
View the detailed USDA boundaries and read about general conditions of
Lake County, California
.Lake County, located in the north-central region of California, is known for its unique and rich history. The county was formed in 1861, carved out of parts of Napa and Mendocino counties and named after the picturesque Clear Lake, which is the largest natural freshwater lake wholly within the state. For thousands of years, the area has been home to the Pomo Native tribe, who have a deep connection with the lands around the lake.
The advent of the California Gold Rush in the mid-19th century drew a large number of settlers to the region, transforming the landscape with mining operations and development of infrastructure. Lace County saw the establishment of towns like Lakeport and Upper Lake during this period, which played a significant role in the region's development. Agriculture, particularly pear and walnut farming, also became an important part of the local economy, along with the burgeoning wine industry.
In the late 19th and early 20th centuries, Lake County became a popular holiday and health retreat destination due to the presence of natural hot springs and mineral waters, with resorts like Bartlett Springs and Harbin Hot Springs drawing in visitors from far and wide. The region continues to be a major tourist attraction to this day, offering a range of recreational activities such as fishing, boating, hiking, and bird watching.
A fun fact about Lake County is that it is home to Mount Konocti, an ancient volcano that has been dormant for thousands of years. At around 4,300 feet high, the mountain provides stunning views of Clear Lake and the surrounding landscapes, making it a popular destination for hiking and nature enthusiasts. Additionally, Lake County is considered a leading producer of "clean air" in California due to its low population density and prevailing winds, which helps in maintaining a pristine environment.
Featured Cities of California
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