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Calistoga sits at the northern tip of Napa Valley. Wine country prices make entry tough for first-time buyers.
FHA loans exist for exactly this situation. A low down payment and flexible credit requirements can get you in the door.
580 (3.5% down)
Min Credit Score
3.5%
Min Down Payment
43%
Max DTI (typical)
Required on all FHA
Mortgage Insurance
1.75% of loan amount
Upfront MIP
FHA Loans in Calistoga
You need a 580 credit score to put 3.5% down. Drop below 580 and you'll need 10% down minimum.
Lenders want your total debt-to-income ratio under 43%. Some approve 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 Calistoga.
Calistoga sits at the northern tip of Napa Valley. Wine country prices make entry tough for first-time buyers.
FHA loans exist for exactly this situation. A low down payment and flexible credit requirements can get you in the door.
You need a 580 credit score to put 3.5% down. Drop below 580 and you'll need 10% down minimum.
Not every lender prices FHA loans the same. Retail banks often add overlays that tighten credit requirements beyond FHA minimums.
Wholesale lenders we access can price FHA more competitively. That difference matters on a Calistoga purchase price. Rates vary by borrower profile and market conditions.
FHA has a loan limit for Napa County. Calistoga home prices can push against that ceiling fast.
If the purchase price exceeds the FHA county limit, FHA won't work — period. Know the limit before you fall in love with a listing.
Conventional loans need 620+ credit and typically 5% down. FHA beats that for buyers with thinner credit files.
USDA loans offer zero down — but Calistoga's eligibility depends on the specific address. VA is the better deal if you've served.
Calistoga is a small market. Inventory is tight and sellers often field multiple offers. FHA appraisals are stricter than conventional.
If a property has deferred maintenance or condition issues, FHA will flag them. Sellers sometimes resist FHA offers for this reason.
Napa County is designated high-cost, so FHA limits exceed the national baseline. Check current HUD tables — limits adjust annually.
No. FHA requires the property to be your primary residence. Investment or vacation use disqualifies you.
FHA charges an upfront MIP of 1.75% plus an annual premium. Annual MIP depends on your loan term and down payment.
Some won't. FHA appraisals are stricter, and sellers know it. A strong earnest money deposit helps your offer compete.
Yes. FHA allows 100% of your down payment to come from a documented gift from a family member.
FHA wins on credit flexibility. Conventional is cheaper long-term once you have 20% equity and can drop PMI.