Loading
Loading
FHA Loans in Beverly Hills
What's the monthly payment on an FHA loan in Beverly Hills?
On a $777,202 purchase with $27,202 down (3.5%), the monthly principal and interest payment is $4,437 at 5.875% interest. Rates vary by borrower profile and market conditions. Add property taxes, insurance, and mortgage insurance to that figure.
01
Beverly Hills sits in Los Angeles County, where the median household income is $87,760. The median home price here is $5,395,000, well above the FHA limit of $1,249,125 for 2026.
On a $777,202 purchase with FHA financing, the monthly payment for principal and interest runs $4,437 at 5.875%. That payment sits well within reach for county earners.
580 (primary residence)
Minimum credit score
3.5% (96.5% LTV max)
Minimum down payment
$4,437
Sample monthly P&I
$1,249,125
2026 FHA limit
17–21 days standard
SRK CAPITAL close time
02
FHA requires a minimum 580 representative credit score for a primary residence. You'll also need a maximum 96.5 percent loan-to-value ratio, which means 3.5 percent down.
Your housing debt-to-income ratio cannot exceed 31 percent for a primary residence. Your total debt-to-income ratio has a maximum of 43 percent. These ratios measure how much of your monthly income goes to housing and all debts combined.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in Beverly Hills.
Beverly Hills sits in Los Angeles County, where the median household income is $87,760. The median home price here is $5,395,000, well above the FHA limit of $1,249,125 for 2026.
On a $777,202 purchase with FHA financing, the monthly payment for principal and interest runs $4,437 at 5.875%. That payment sits well within reach for county earners.
FHA requires a minimum 580 representative credit score for a primary residence. You'll also need a maximum 96.5 percent loan-to-value ratio, which means 3.5 percent down.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
FHA loans attract both retail banks and mortgage brokers across California. Brokers like SRK CAPITAL shop the loan across their wholesale lender network to find the best fit for your file.
Underwriting focuses on your credit history, income documentation, and the property itself. FHA allows lower credit scores and smaller down payments than conventional financing. SRK CAPITAL closes FHA loans in 17 to 21 days, or 10 days when expedited.
04
FHA makes sense in Beverly Hills only for properties under the $1,249,125 limit. Above that, you'll need jumbo or portfolio financing, which carry tighter underwriting and higher rates.
Below the limit, FHA opens the door to buyers with 3.5 percent down and a 580 credit score. The trade-off is lifetime mortgage insurance when you put down less than 10 percent — that cost never goes away unless you refinance.
05
Conventional loans typically start with a higher credit score requirement and a larger down payment than FHA. But conventional mortgage insurance cancels at 78 percent loan-to-value under the Homeowners Protection Act.
FHA's mortgage insurance never cancels unless you refinance. Over a 30-year loan, that's real money. For buyers with strong credit and savings, conventional often pencils better on a long hold.
06
Los Angeles County schools are under heightened fiscal oversight. The Los Angeles Times reported that LAUSD must submit detailed budget cut plans or face potential county takeover.
For families buying in Beverly Hills, school funding uncertainty adds weight to the mortgage decision. A stable, predictable payment through FHA financing removes one variable from an already complex purchase.
07
FHA lending in California remains steady as brokers and banks compete for borrowers who need lower down payments. SRK CAPITAL shops FHA loans across its wholesale lender network to find the best pricing and terms for each file.
Active listings in Beverly Hills stand at 298 homes, down from earlier in the year. With 64 days on market on average, buyers have time to shop rates and lock in the best FHA offer before making an offer.
FAQ
On a $777,202 purchase with $27,202 down (3.5%), the monthly principal and interest payment is $4,437 at 5.875% interest. Rates vary by borrower profile and market conditions. Add property taxes, insurance, and mortgage insurance to that figure.
Yes. FHA requires a minimum 580 representative credit score for a primary residence, well below conventional floors. Lenders still review your full credit history and income to confirm you can sustain the payment.
No. FHA's minimum down payment is 3.5 percent for a primary residence, which equals a maximum 96.5 percent loan-to-value ratio. That's the floor. Putting down more reduces your mortgage insurance cost.
Only if you refinance. FHA mortgage insurance runs for the life of the loan when your down payment is under 10 percent. Refinancing to a conventional loan at higher equity is the only way to cancel it.
The FHA limit for 2026 is $1,249,125. Properties above that limit require jumbo or portfolio financing. Beverly Hills median home price of $5,395,000 far exceeds the FHA cap.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in Los Angeles County
Our team of licensed mortgage brokers works Los Angeles County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including Los Angeles County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
Side-by-side comparisons to help you choose the right mortgage program.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.