Question 1

What is the FHA loan limit in Orange County for 2026?

Accepted Answer

The FHA single-family limit in Orange County is $1,249,125 for 2026. That covers most Anaheim home purchases.

Question 2

Can I use FHA to buy a condo in Anaheim?

Accepted Answer

Yes, but only if the condo project is FHA-approved. Always verify approval status before writing an offer.

Question 3

How long does FHA mortgage insurance last?

Accepted Answer

With under 10% down, MIP lasts the full loan term. Put 10% or more down and MIP drops after 11 years.

Question 4

Do FHA loans work for multi-unit properties in Anaheim?

Accepted Answer

Yes — FHA allows up to 4-unit properties if you live in one unit. It's a strong house-hacking option here.

Question 5

Is FHA better than conventional for a first-time buyer in Anaheim?

Accepted Answer

FHA wins if your credit score is under 680 or your down payment is under 10%. Above that, conventional often costs less.

Question 6

What's the minimum credit score for FHA in California?

Accepted Answer

FHA requires 500 minimum. Most lenders we work with want 580 to offer the 3.5% down program. Rates vary by borrower profile and market conditions.

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