Question 1

What credit score do I need for an FHA loan in Carson?

Accepted Answer

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

Question 2

Does FHA mortgage insurance ever go away?

Accepted Answer

Not automatically. If you put down less than 10%, MIP stays for the loan's life. You'd need to refinance into conventional to remove it.

Question 3

Can I use FHA to buy a condo in Carson?

Accepted Answer

Yes, but the condo complex must be on HUD's approved list. Many Carson complexes aren't — check before making an offer.

Question 4

How does FHA compare to VA in LA County?

Accepted Answer

VA wins on cost if you're eligible — no down payment and no MIP. FHA is the better path when VA isn't an option.

Question 5

What are FHA loan limits in Los Angeles County?

Accepted Answer

LA County has high-cost limits that exceed the national baseline. Contact SRK CAPITAL for the current figures as of April 2026.

Question 6

Can FHA be used for a multi-unit property in Carson?

Accepted Answer

Yes — FHA covers up to 4-unit properties if you live in one unit. It's a solid house-hacking strategy in the South Bay.

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