Question 1

What is the conforming loan limit in Contra Costa County for 2026?

Accepted Answer

The 2026 conforming limit is $1,249,125. FHA and VA loans cap at the same amount. Loans above this are jumbo.

Question 2

Do I need 20% down to buy in Antioch?

Accepted Answer

Yes — 20% down avoids PMI on conventional loans. Conventional loans accept 5% to 10% down with PMI. FHA allows 3.5% down with 580+ FICO.

Question 3

What credit score do I need for an FHA loan?

Accepted Answer

FHA requires a minimum 580 FICO score. Lenders often prefer 620+ for better rates. Your approval also depends on debt-to-income ratio.

Question 4

Does Contra Costa County qualify as an FHA high-cost area?

Accepted Answer

Yes. Contra Costa is an FHA high-cost area in 2026. FHA loan limits match the conforming ceiling at $1,249,125.

Question 5

Is Contra Costa County a VA high-cost area?

Accepted Answer

Yes. VA loans in Contra Costa reach the same $1,249,125 limit as conventional loans. This opens VA financing to higher-priced properties.

Question 6

How much does PMI cost on a conventional loan?

Accepted Answer

PMI typically runs 0.5% to 1.5% annually on the loan balance. On a $300,000 loan with 10% down, expect $150 to $450 per month. It cancels at 78% LTV.

Question 7

What is the VA funding fee?

Accepted Answer

First-time VA users pay 2.15% at zero down. Subsequent uses cost 3.3%. Veterans with a 10%+ disability rating are exempt.

Question 8

Can I get an FHA loan if I'm self-employed?

Accepted Answer

Yes. Self-employed borrowers need two years of tax returns and profit-and-loss statements. Lenders average income over that period.

Question 9

How long does it take to close on a home in Antioch?

Accepted Answer

Most closings take 30 to 45 days. FHA and VA loans may add 5 to 10 days for appraisal review. Jumbo loans sometimes stretch longer.

Question 10

What does the East County Service Center project mean for Antioch buyers?

Accepted Answer

The $155 million East County Service Center in Brentwood improves access to county services. Better infrastructure supports population growth and home values.

Question 11

What's the debt-to-income limit for conventional loans?

Accepted Answer

Most lenders cap debt-to-income at 43% to 50%. Some allow up to 50% with strong credit and reserves. Your monthly debts divided by gross income cannot exceed this.

Question 12

Do I need a Certificate of Eligibility for a VA loan?

Accepted Answer

Yes. You need a Certificate of Eligibility from the VA. Active duty, veterans, and surviving spouses qualify.

Question 13

Can I use an FHA loan to buy a condo in Antioch?

Accepted Answer

Yes, if the condo is FHA-approved. The project must meet FHA standards for insurance and reserves. Ask the listing agent if the complex qualifies.

Question 14

What is the median household income in Contra Costa County?

Accepted Answer

Contra Costa's median household income is $125,727. This figure helps determine USDA loan eligibility. Your household income must be verified with tax returns.

Antioch mortgage questions answered