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Angels Camp sits in Calaveras County's Gold Country foothills. Homes here are priced well below coastal California, which works in FHA borrowers' favor.
FHA loan limits for Calaveras County let buyers stretch their purchasing power. Low down payment requirements matter most in markets where savings are hard to build.
580
Min Credit Score (3.5% down)
3.5%
Minimum Down Payment
6% of price
Max Seller Concession
Government-insured
Loan Type
Score, lender, LTV
Rate Varies By
FHA Loans in Angels Camp
You need a 580 credit score to qualify for the 3.5% down payment option. Drop below 580 and you're looking at 10% down minimum.
Lenders require a debt-to-income ratio under 43% in most cases. Your income must be documented — W-2s, tax returns, or pay stubs.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in Angels Camp.
Angels Camp sits in Calaveras County's Gold Country foothills. Homes here are priced well below coastal California, which works in FHA borrowers' favor.
FHA loan limits for Calaveras County let buyers stretch their purchasing power. Low down payment requirements matter most in markets where savings are hard to build.
You need a 580 credit score to qualify for the 3.5% down payment option. Drop below 580 and you're looking at 10% down minimum.
Not every lender overlays FHA the same way. Some add their own credit score floors above FHA's minimum — we see 620 or even 640 overlays regularly.
As a broker with access to 200+ wholesale lenders, we shop past those overlays. The right lender makes a real difference on a borderline file.
FHA mortgage insurance never goes away if you put less than 10% down. That's the trade-off most buyers don't realize until closing.
In Angels Camp, sellers sometimes push back on FHA offers. We help buyers write clean offers that compete — inspection language matters here.
USDA loans cover rural areas — and parts of Calaveras County qualify. If your target property is eligible, USDA offers zero down versus FHA's 3.5%.
Conventional loans drop mortgage insurance once you hit 20% equity. FHA doesn't. If you have good credit and 5% down, run both scenarios.
Calaveras County properties often include well and septic systems. FHA appraisers flag those closely — condition issues can kill a deal fast.
Angels Camp homes on larger lots or with older construction need careful attention before the appraisal. We flag potential issues early.
FHA sets county-level loan limits that adjust periodically. Check current Calaveras County limits with us before you start shopping — limits affect your max purchase price.
Yes. The FHA 203k rehab loan covers purchase plus renovation in one loan. It's built for older Gold Country homes that need work.
FHA allows rural lots, but the home must be the primary value on the parcel. Large acreage deals get scrutinized more closely by appraisers.
Most FHA purchases close in 30-45 days. Appraisal turnaround in rural counties can add a few days — plan accordingly.
Put less than 10% down and yes — MIP lasts the life of the loan. Put 10% or more down and MIP drops after 11 years.
FHA allows sellers to contribute up to 6% of the purchase price toward closing costs. That's a meaningful offset in a negotiation.