Question 1

What is the FHA loan limit for Alameda County in 2026?

Accepted Answer

Alameda County qualifies as a high-cost area. Check HUD's current limit table — it changes annually and affects your max purchase price.

Question 2

Can I use FHA to buy a condo in Livermore?

Accepted Answer

Yes, but the condo complex must be FHA-approved. Many Livermore complexes aren't on the approved list. Verify before you make an offer.

Question 3

How long does FHA mortgage insurance last?

Accepted Answer

With less than 10% down, MIP stays for the life of the loan. The only exit is refinancing into a conventional loan later.

Question 4

Is a 580 credit score enough to get approved in Livermore?

Accepted Answer

FHA allows it, but lenders can add overlays. Some won't go below 620. We find lenders who actually lend at the FHA minimum.

Question 5

Can sellers pay my closing costs on an FHA loan?

Accepted Answer

Yes. Sellers can contribute up to 6% of the purchase price toward closing costs. Negotiate that in your offer.

Question 6

Does FHA work for multi-unit properties in Livermore?

Accepted Answer

FHA covers 1-4 unit properties if you live in one unit. A duplex or triplex can work — house hack while your tenant helps cover the payment.

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