Question 1

Is Dublin eligible for USDA loans?

Accepted Answer

Parts of Dublin may qualify, but much of the city is outside USDA-designated areas. Check the USDA eligibility map before assuming either way.

Question 2

What credit score do I need for FHA in Dublin?

Accepted Answer

580 gets you 3.5% down. Below 580, lenders may still approve you — but expect to put 10% down.

Question 3

Does USDA have income limits in Alameda County?

Accepted Answer

Yes. USDA sets household income limits by county. Alameda County limits are higher than national averages, but they still cut off at a point.

Question 4

Which loan has lower mortgage insurance?

Accepted Answer

USDA charges less annually than FHA. If you qualify for both, USDA's insurance costs save you money over the life of the loan.

Question 5

Can I use FHA or USDA for a condo in Dublin?

Accepted Answer

FHA requires the condo project to be FHA-approved. USDA has its own property eligibility rules — condos are rarely eligible.

Question 6

Which loan closes faster in Dublin?

Accepted Answer

FHA typically moves faster. USDA requires an extra eligibility review step that can add time to closing.

FHA vs USDA Loans in Dublin, CA: Which One Works for You?