Question 1

What's the FHA loan limit in Lassen County?

Accepted Answer

Lassen County falls under the standard FHA conforming limit for lower-cost areas. Check current HUD tables — limits adjust annually.

Question 2

Does FHA work on rural properties in Susanville?

Accepted Answer

FHA covers most single-family homes in Susanville. Properties with large acreage or agricultural use can trigger extra appraisal scrutiny.

Question 3

Can I use FHA if I work at the state prison in Susanville?

Accepted Answer

Yes. Government employment is viewed favorably by FHA lenders. Consistent W-2 income and two years on the job makes qualification straightforward.

Question 4

How much is FHA mortgage insurance in 2026?

Accepted Answer

As of April 2026, FHA charges 1.75% upfront MIP plus an annual premium around 0.55% on most 30-year loans. Your exact rate depends on loan size and term.

Question 5

Should I choose USDA or FHA for a Susanville home?

Accepted Answer

If the property qualifies for USDA, that program usually wins — zero down and no monthly MIP. We check USDA eligibility on every Lassen County deal.

Question 6

What credit score do I need for FHA in Susanville?

Accepted Answer

Most lenders want 580 or above for the 3.5% down option. Some wholesale lenders we access will go down to 560 with strong income and reserves.

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