FHA loan limits and USDA eligibility for ZIP 94558 — Napa, CA

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks possible here if income is under the cap.

Connect with a lender
Couple reviewing home loan options for their ZIP code

USDA property eligibility

Likely eligible for $0 down

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

View map

USDA income limits

Napa County

1–4 person household income limit

$205,800

5–8 person household income limit

$271,700

View map

2026 FHA loan limits

Napa County

1-unit

$1,017,750

2-unit

$1,302,900

3-unit

$1,574,900

4-unit

$1,957,250

View map

Confirm loan options for this ZIP

Maps and ZIP lookups are a first look. A licensed lender can confirm the address, income, and the official cap.

Get your answer

Loan options for 94558

A licensed lender can confirm USDA property eligibility, household income, and the FHA county cap for a specific address — then match you if you qualify.

Connect with a lender
Homebuyers reviewing loan options with a mortgage professional

NMLS-licensed lenders Fast Lender Matching No initial credit impact

Powered by Mortgage Research Center, NMLS #1907 — Trusted since 2002

FAQ for ZIP 94558

Learn More