Question 1

What is the FHA loan limit in Alameda County?

Accepted Answer

Alameda County is a high-cost area, so FHA limits exceed the national baseline. Check current HUD limits — they adjust annually.

Question 2

Can I use FHA to buy a new build in Dublin?

Accepted Answer

Yes. New construction in Dublin generally meets FHA property standards. Builder concessions on closing costs are also common with FHA.

Question 3

Does FHA mortgage insurance ever go away?

Accepted Answer

Not on loans with less than 10% down — MIP lasts the life of the loan. The only exit is a refinance into a conventional loan.

Question 4

Will Dublin sellers accept FHA offers?

Accepted Answer

Some sellers prefer conventional, especially in tight markets. A clean pre-approval and competitive offer price offset most seller hesitation.

Question 5

What credit score do I need for FHA in Dublin?

Accepted Answer

FHA allows 580 for 3.5% down. Some lenders overlay that to 620 or higher — we shop lenders who work with the actual FHA minimums.

Question 6

How does FHA compare to conventional for first-time buyers here?

Accepted Answer

FHA wins on credit flexibility. Conventional wins on long-term MIP costs if your score is 700+. Run both — the answer depends on your profile.

FHA Loans in Dublin, CA — Low Down, Real Access