{"slug":"1409-san-antonio-ave-alameda-ca-94501","cityName":"Alameda","citySlug":"alameda","faqItems":[{"answer":"VA currently looks strongest because it balances property fit, closing certainty, and seller optics better than the other public examples.","question":"Which loan looks strongest for this property in Alameda?"},{"answer":"Conventional is possible only with meaningful caveats on this property. The county conforming limit used for context was $832,750.","question":"Can this home work with a conventional loan in Alameda County?"},{"answer":"FHA is a conditional fit here and likely needs a different structure or more cash down. FHA becomes more fragile when listing condition or condo-project issues are present.","question":"Could this property work with FHA financing?"},{"answer":"VA looks like a strong property-level fit in the public examples. This report only addresses property-side fit; veteran eligibility still has to be confirmed separately.","question":"Could an eligible veteran use VA financing here?"},{"answer":"Jumbo can work, but the property introduces a few execution caveats. Jumbo becomes more relevant as the effective loan amount pushes past local conforming territory or into higher reserve requirements.","question":"When would jumbo financing make sense on this property?"}],"citations":[{"url":"https://www.realtor.com/realestateandhomes-detail/1409-San-Antonio-Ave_Alameda_CA_94501_M18556-02017","note":null,"type":"listing","label":"Listing source","source":"www.realtor.com","accessedAt":"2026-08-29T08:00:36.836Z"},{"url":null,"note":"30-year fixed purchase examples for strong, standard, and stretch public scenarios.","type":"pricing","label":"Pricing engine refresh","source":"SRK CAPITAL rate engine","accessedAt":"2026-08-29T08:00:38.763Z"},{"url":"https://srkloans.com/alameda-ca/alameda","note":"Median price, price per square foot, days on market, and active listings.","type":"market","label":"Local market context","source":"Alameda housing data","accessedAt":"2026-08-29T08:00:38.921Z"},{"url":null,"note":"Conforming limit $832,750 and FHA limit $1249125.00 for one-unit examples.","type":"guideline","label":"County loan limits","source":"Alameda County limits","accessedAt":"2026-08-29T08:00:38.921Z"},{"url":"https://srkloans.com/alameda-ca/alameda/finance/1409-san-antonio-ave-alameda-ca-94501/data.json","note":"JSON and CSV scenario tables support auditing, reuse, and tabular analysis for this report.","type":"dataset","label":"Machine-readable scenario exports","source":"Property Loan Fit supporting data","accessedAt":"2026-08-29T08:00:38.921Z"}],"riskFlags":[{"id":"high-balance-jumbo","title":"Conforming limit pressure","evidence":"The standard scenario loan amount is above the Alameda County conforming limit of $832,750.","severity":"high","confidence":"high","recommendation":"Expect high-balance or jumbo pricing to matter on this property.","affectedPrograms":["conventional","jumbo"]},{"id":"fha-limit","title":"FHA loan limit constraint","evidence":"The stretch scenario loan amount is above the FHA county limit of $1249125.00.","severity":"high","confidence":"high","recommendation":"FHA may only work with a materially larger down payment or a lower negotiated price.","affectedPrograms":["fha"]},{"id":"luxury-positioning","title":"Luxury or jumbo positioning","evidence":"The standard scenario loan amount is near or above the jumbo-rate threshold of $1,000,000.","severity":"low","confidence":"high","recommendation":"Compare conforming high-balance versus jumbo execution carefully on this property.","affectedPrograms":["jumbo","conventional"]}],"countyName":"Alameda","countySlug":"alameda-ca","assumptions":["Public scenarios only. This page is illustrative and is not a credit approval.","Taxes, insurance, and HOA estimates use local averages and public assumptions.","Property fit flags combine listing facts, listing language, and optional AI review when eligible media is available.","Third-party listing copy and images are not republished; the report uses derived facts and analysis."],"generatedAt":"2026-08-29T08:00:38.921Z","canonicalPath":"/alameda-ca/alameda/finance/1409-san-antonio-ave-alameda-ca-94501","bestFitProgram":"va","programAnalyses":[{"caveats":["Expect high-balance or jumbo pricing to matter on this property.","Compare conforming high-balance versus jumbo execution carefully on this property."],"program":"conventional","topCons":["PMI can make lower-down-payment scenarios expensive.","Credit and reserve requirements tend to be less forgiving than FHA."],"topPros":["Usually the cleanest mainstream offer structure for sellers.","No upfront mortgage insurance premium.","High-balance conforming can stay attractive in expensive California markets."],"isEligible":true,"riskFlagIds":["high-balance-jumbo","luxury-positioning"],"programLabel":"Conventional","rateSnapshots":[{"apr":5.942,"rate":5.875,"points":1.8224000000000018,"available":true,"loanAmount":1320000,"scenarioId":"strong","cashToClose":356580,"creditScore":780,"estimatedHoa":0,"totalLoanCosts":26580,"downPaymentAmount":330000,"mortgageInsurance":0,"unavailableReason":null,"downPaymentPercent":20,"totalMonthlyPayment":9802,"principalAndInterest":7808,"estimatedTaxesAndInsurance":1994},{"apr":5.946,"rate":5.875,"points":1.9523999999999972,"available":true,"loanAmount":1485000,"scenarioId":"standard","cashToClose":196518,"creditScore":720,"estimatedHoa":0,"totalLoanCosts":31518,"downPaymentAmount":165000,"mortgageInsurance":594,"unavailableReason":null,"downPaymentPercent":10,"totalMonthlyPayment":11372,"principalAndInterest":8784,"estimatedTaxesAndInsurance":1994},{"apr":5.949,"rate":5.875,"points":2.0623999999999967,"available":true,"loanAmount":1567500,"scenarioId":"stretch","cashToClose":117353,"creditScore":680,"estimatedHoa":0,"totalLoanCosts":34853,"downPaymentAmount":82500,"mortgageInsurance":849,"unavailableReason":null,"downPaymentPercent":5,"totalMonthlyPayment":12115,"principalAndInterest":9272,"estimatedTaxesAndInsurance":1994}],"propertyFitScore":53,"sellerAppealScore":70,"eligibilitySummary":"This property can plausibly work with Conventional under the public example scenarios.","featuredScenarioId":"standard","closingCertaintyScore":51},{"caveats":["This FHA example exceeds the current county loan limit for a 1-unit property.","FHA may only work with a materially larger down payment or a lower negotiated price."],"program":"fha","topCons":["Property standards and appraisal conditions can slow or derail execution.","Upfront and monthly mortgage insurance increase total cost."],"topPros":["More forgiving credit and down-payment structure than most conventional options.","Useful when cash-to-close matters more than seller optics.","Well-suited to buyers who need a lower entry barrier."],"isEligible":false,"riskFlagIds":["fha-limit"],"programLabel":"FHA","rateSnapshots":[{"apr":null,"rate":null,"points":null,"available":false,"loanAmount":1320000,"scenarioId":"strong","cashToClose":null,"creditScore":780,"estimatedHoa":0,"totalLoanCosts":null,"downPaymentAmount":330000,"mortgageInsurance":null,"unavailableReason":"This FHA example exceeds the current county loan limit for a 1-unit property.","downPaymentPercent":20,"totalMonthlyPayment":null,"principalAndInterest":null,"estimatedTaxesAndInsurance":0},{"apr":null,"rate":null,"points":null,"available":false,"loanAmount":1485000,"scenarioId":"standard","cashToClose":null,"creditScore":720,"estimatedHoa":0,"totalLoanCosts":null,"downPaymentAmount":165000,"mortgageInsurance":null,"unavailableReason":"This FHA example exceeds the current county loan limit for a 1-unit property.","downPaymentPercent":10,"totalMonthlyPayment":null,"principalAndInterest":null,"estimatedTaxesAndInsurance":0},{"apr":null,"rate":null,"points":null,"available":false,"loanAmount":1592250,"scenarioId":"stretch","cashToClose":null,"creditScore":680,"estimatedHoa":0,"totalLoanCosts":null,"downPaymentAmount":57750,"mortgageInsurance":null,"unavailableReason":"This FHA example exceeds the current county loan limit for a 1-unit property.","downPaymentPercent":3.5,"totalMonthlyPayment":null,"principalAndInterest":null,"estimatedTaxesAndInsurance":0}],"propertyFitScore":64,"sellerAppealScore":56,"eligibilitySummary":"This property does not cleanly fit FHA under the current public example scenarios.","featuredScenarioId":"strong","closingCertaintyScore":60},{"caveats":[],"program":"va","topCons":["Only relevant if the borrower has usable VA eligibility.","VA appraisal timelines and seller perceptions can matter in competitive markets."],"topPros":["No monthly PMI and potentially no down payment for eligible borrowers.","Strong payment efficiency relative to cash needed up front.","Can outperform conventional when veteran eligibility applies."],"isEligible":true,"riskFlagIds":[],"programLabel":"VA","rateSnapshots":[{"apr":5.442,"rate":5.375,"points":1.8050000000000068,"available":true,"loanAmount":1320000,"scenarioId":"strong","cashToClose":356351,"creditScore":780,"estimatedHoa":0,"totalLoanCosts":26351,"downPaymentAmount":330000,"mortgageInsurance":0,"unavailableReason":null,"downPaymentPercent":20,"totalMonthlyPayment":9386,"principalAndInterest":7392,"estimatedTaxesAndInsurance":1994},{"apr":5.441,"rate":5.375,"points":1.8050000000000068,"available":true,"loanAmount":1485000,"scenarioId":"standard","cashToClose":194329,"creditScore":720,"estimatedHoa":0,"totalLoanCosts":29329,"downPaymentAmount":165000,"mortgageInsurance":0,"unavailableReason":null,"downPaymentPercent":10,"totalMonthlyPayment":10310,"principalAndInterest":8316,"estimatedTaxesAndInsurance":1994},{"apr":5.44,"rate":5.375,"points":1.8050000000000068,"available":true,"loanAmount":1650000,"scenarioId":"stretch","cashToClose":32307,"creditScore":680,"estimatedHoa":0,"totalLoanCosts":32307,"downPaymentAmount":0,"mortgageInsurance":0,"unavailableReason":null,"downPaymentPercent":0,"totalMonthlyPayment":11234,"principalAndInterest":9240,"estimatedTaxesAndInsurance":1994}],"propertyFitScore":81,"sellerAppealScore":72,"eligibilitySummary":"This property can plausibly work with VA under the public example scenarios.","featuredScenarioId":"standard","closingCertaintyScore":77},{"caveats":["Expect high-balance or jumbo pricing to matter on this property.","Compare conforming high-balance versus jumbo execution carefully on this property."],"program":"jumbo","topCons":["Reserve, documentation, and appraisal scrutiny are usually tighter.","Not relevant unless the effective loan amount is large enough."],"topPros":["Designed for properties or loan amounts beyond conforming territory.","Can preserve leverage on higher-priced California homes.","Seller optics are usually strong when borrower reserves are deep."],"isEligible":true,"riskFlagIds":["high-balance-jumbo","luxury-positioning"],"programLabel":"Jumbo","rateSnapshots":[{"apr":5.563,"rate":5.5,"points":1.6882999999999981,"available":true,"loanAmount":1320000,"scenarioId":"strong","cashToClose":354810,"creditScore":780,"estimatedHoa":0,"totalLoanCosts":24810,"downPaymentAmount":330000,"mortgageInsurance":0,"unavailableReason":null,"downPaymentPercent":20,"totalMonthlyPayment":9489,"principalAndInterest":7495,"estimatedTaxesAndInsurance":1994},{"apr":5.562,"rate":5.5,"points":1.6882999999999981,"available":true,"loanAmount":1485000,"scenarioId":"standard","cashToClose":192596,"creditScore":720,"estimatedHoa":0,"totalLoanCosts":27596,"downPaymentAmount":165000,"mortgageInsurance":0,"unavailableReason":null,"downPaymentPercent":10,"totalMonthlyPayment":10426,"principalAndInterest":8432,"estimatedTaxesAndInsurance":1994},{"apr":5.562,"rate":5.5,"points":1.6882999999999981,"available":true,"loanAmount":1402500,"scenarioId":"stretch","cashToClose":273703,"creditScore":680,"estimatedHoa":0,"totalLoanCosts":26203,"downPaymentAmount":247500,"mortgageInsurance":0,"unavailableReason":null,"downPaymentPercent":15,"totalMonthlyPayment":9957,"principalAndInterest":7963,"estimatedTaxesAndInsurance":1994}],"propertyFitScore":75,"sellerAppealScore":72,"eligibilitySummary":"This property can plausibly work with Jumbo under the public example scenarios.","featuredScenarioId":"standard","closingCertaintyScore":67}],"propertySummary":{"beds":null,"city":"Alameda","baths":null,"state":"CA","zipCode":"94501","headline":"1409 San Antonio Ave, Alameda, CA 94501","fetchedAt":"2026-08-29T08:00:36.836Z","mediaUrls":[],"sourceUrl":"https://www.realtor.com/realestateandhomes-detail/1409-San-Antonio-Ave_Alameda_CA_94501_M18556-02017","unitCount":1,"parseNotes":[],"sourceHint":"realtor","squareFeet":2443,"askingPrice":1650000,"parseStatus":"full","propertyType":"single_family","sourceDomain":"www.realtor.com","streetAddress":"1409 San Antonio Ave","mediaUsageAllowed":false,"normalizedAddress":"1409 San Antonio Ave, Alameda, CA 94501","listingDescription":"Sold: View 1 photo for 1409 San Antonio Ave, this 4 bed, 1.5 bath, 2,443 sqft. single family home in Alameda, CA that was last sold on 08/17/2026.","manualPriceProvided":false},"scenarioPresets":[{"id":"strong","label":"Strong buyer example","creditScore":780,"description":"Illustrative buyer profile with 20% down and strong credit.","isIllustrative":true,"targetDownPaymentPercent":20},{"id":"standard","label":"Standard buyer example","creditScore":720,"description":"Illustrative buyer profile with 10% down and solid credit.","isIllustrative":true,"targetDownPaymentPercent":10},{"id":"stretch","label":"Stretch buyer example","creditScore":680,"description":"Illustrative buyer profile using the minimum practical down payment by program.","isIllustrative":true,"targetDownPaymentPercent":null}],"pricingFetchedAt":"2026-08-29T08:00:38.763Z","localMarketContext":{"hoaAverage":null,"medianPrice":null,"daysOnMarket":null,"fhaLoanLimit":"1249125.00","pricePerSqFt":null,"activeListings":null,"propertyTaxRate":0.011,"conformingLoanLimit":832750},"bestFitProgramLabel":"VA","marketDataFetchedAt":"2026-08-29T08:00:38.921Z"}