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Tiburon is one of the most expensive zip codes in Marin County. FHA loans cap out at $1,249,125 in high-cost California counties — and that ceiling gets tested fast here.
Most Tiburon properties push well past FHA limits. That doesn't make FHA useless, but it does narrow where it applies in this market.
580 (3.5% down)
Min Credit Score
$1,249,125
Marin FHA Limit
As low as 3.5%
Down Payment
1.75% of loan
Upfront MIP
Life of loan (most)
MIP Duration
FHA Loans in Tiburon
FHA requires a 580 credit score for 3.5% down. Drop below 580, and you need 10% down to qualify.
Debt-to-income ratio — what you owe monthly vs. what you earn — generally must stay under 43%. Some lenders allow up to 50% with strong compensating factors.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in Tiburon.
Tiburon is one of the most expensive zip codes in Marin County. FHA loans cap out at $1,249,125 in high-cost California counties — and that ceiling gets tested fast here.
Most Tiburon properties push well past FHA limits. That doesn't make FHA useless, but it does narrow where it applies in this market.
FHA requires a 580 credit score for 3.5% down. Drop below 580, and you need 10% down to qualify.
Most retail banks offer FHA, but wholesale lenders often price it sharper. We shop across 200+ wholesale lenders to find where FHA rates are actually competitive.
FHA mortgage insurance is non-negotiable. You pay an upfront premium of 1.75% and an annual premium rolled into your monthly payment. That cost matters when comparing loan options.
In Tiburon, FHA works best for condos or smaller properties priced under the county limit. It's a narrow window, but those deals do exist.
Sellers in this market know their leverage. An FHA offer can feel weaker than conventional to a listing agent. We help clients structure offers that stay competitive.
Conventional loans let you cancel mortgage insurance once you hit 20% equity. FHA MIP on most loans sticks around for the life of the loan — that's a real cost difference.
VA loans beat FHA for eligible veterans every time — no MIP, no down payment, and rates typically run lower. If you qualify for VA, use it.
Marin County's FHA loan limit applies to Tiburon as of April 2026. That limit is $1,249,125 for a single-family home — high by national standards, tight for this peninsula.
FHA appraisals here must meet HUD standards. If a property has deferred maintenance or safety issues, FHA can kill a deal fast. Tiburon's older estate homes sometimes trigger this.
As of April 2026, the FHA limit for a single-family home in Marin County is $1,249,125. Most Tiburon listings exceed this.
Yes, but the condo complex must be on HUD's approved list. Many Marin complexes aren't — we check this before you make an offer.
On loans with less than 10% down, MIP lasts the life of the loan. Put 10% or more down, and it drops off after 11 years.
Rarely. Tiburon sellers often prefer conventional or cash. We help you strengthen your offer where we can.
580 for 3.5% down. Some lenders we work with go down to 500 with 10% down — but underwriting gets tighter below 620.
Depends on your credit, down payment, and the property. We run both side by side so you see the real cost difference.