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FHA Loans in Santa Clarita
What's the monthly payment on an FHA loan for $750,000 in Santa Clarita?
At 5.875% interest, principal and interest run $4,437 per month on a $750,000 loan. Rates vary by borrower profile and market conditions.
01
Santa Clarita's median home price is $799,577, with 937 homes listed. Homes spend about 57 days on the market here.
At 5.875% interest, a $750,000 FHA loan carries $4,437 monthly for principal and interest. The county's median household income of $87,760 compares to that payment as a useful reference point.
5.875%
Interest Rate
$4,437
Monthly P&I
580
Min Credit Score
96.5%
Max LTV
3.5%
Down Payment
02
FHA requires a minimum 580 representative credit score for a primary residence. You 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 cannot exceed 43 percent for a primary residence.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in Santa Clarita.
Santa Clarita's median home price is $799,577, with 937 homes listed. Homes spend about 57 days on the market here.
At 5.875% interest, a $750,000 FHA loan carries $4,437 monthly for principal and interest. The county's median household income of $87,760 compares to that payment as a useful reference point.
FHA requires a minimum 580 representative credit score for a primary residence. You 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 are written by retail banks and mortgage brokers across California, per HUD's FHA program structure. SRK CAPITAL says it shops each loan across its wholesale lender network to find fit.
Per HUD's FHA handbook, underwriting reviews credit history, income documentation, and property value. SRK CAPITAL closes FHA loans in 17 to 21 days, or 10 days when expedited.
04
FHA makes sense in Santa Clarita when you have steady income and decent credit but haven't saved 20% down. At $799,577 median price, the 3.5% down requirement is achievable for more buyers.
The trade-off is mortgage insurance for the life of the loan. If you can save to 10% down, FHA cancels the insurance after 11 years, which changes the math meaningfully.
05
Conventional loans typically require 5% to 20% down and carry PMI above 80% LTV. FHA lets you start at 3.5% down with mortgage insurance instead of PMI.
The real difference is the down-payment floor. FHA opens the market to buyers with smaller savings. PMI cancels automatically at 78% LTV under the Homeowners Protection Act, whereas FHA insurance stays for the loan term unless you refinance.
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LA County placed LAUSD under heightened fiscal oversight due to concerns about the district's ability to meet future financial obligations. For families buying in Santa Clarita, school funding stability matters to long-term home values.
Santa Clarita's job market includes exposure to the entertainment and studio sectors. LA County estimates approximately 2,495 positions could be affected by recent industry consolidation.
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Santa Clarita's real estate market shows 933 active listings as of late August 2026. Price per square foot averages $434, down slightly from earlier in the year.
Homes spend roughly 57 days on market, indicating moderate buyer interest. The median home price of $799,577 falls well below the 2026 FHA limit of $1,249,125.
FAQ
At 5.875% interest, principal and interest run $4,437 per month on a $750,000 loan. Rates vary by borrower profile and market conditions.
No. FHA requires a minimum 580 representative credit score for a primary residence. A higher score may get you better pricing.
No. FHA's maximum loan-to-value ratio is 96.5 percent for a primary residence, which equals 3.5 percent down. That's the lowest FHA allows.
SRK CAPITAL closes FHA loans in 17 to 21 days standard, or 10 days when expedited. Speed depends on how quickly you provide documents.
Yes, but only if you put down 10 percent or more. At 10% down, mortgage insurance cancels after 11 years.
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.