Question 1

What is the FHA loan limit for Amador County?

Accepted Answer

FHA loan limits are set by county. Amador County follows standard FHA limits — confirm the current cap with us before making an offer.

Question 2

Can I use FHA to buy a fixer-upper in Plymouth?

Accepted Answer

Yes, with an FHA 203k rehab loan. It rolls purchase price and renovation costs into one loan — useful for older Gold Country homes.

Question 3

Does FHA work on homes with a well and septic?

Accepted Answer

It can, but both systems need to pass FHA inspection. A failed well test or septic issue can delay or kill the deal.

Question 4

How much is FHA mortgage insurance?

Accepted Answer

FHA charges an upfront fee of 1.75% of the loan, plus monthly insurance. Monthly MI stays for the life of the loan if you put less than 10% down.

Question 5

Is Plymouth considered a rural area for loan purposes?

Accepted Answer

Parts of Amador County qualify for USDA rural designation. Check eligibility with us — USDA may beat FHA if your target property qualifies.

Question 6

What credit score do I need for FHA in Plymouth?

Accepted Answer

580 gets you the 3.5% down option. Between 500 and 579, you need 10% down. Below 500, FHA won't work.

FHA Loans in Plymouth, CA — Low Down, Real Approval