Question 1

What is the FHA loan limit in Sacramento County?

Accepted Answer

Limits adjust annually. Confirm the current Sacramento County FHA limit before making an offer — it sets your ceiling.

Question 2

Can I use FHA to buy a fixer-upper in Citrus Heights?

Accepted Answer

Yes, through the FHA 203k rehab loan. It wraps purchase and renovation costs into one loan.

Question 3

How long does FHA mortgage insurance last?

Accepted Answer

On most FHA loans, MIP lasts the full loan term. Refinancing into conventional is the main way to eliminate it.

Question 4

Does FHA allow gift funds for the down payment?

Accepted Answer

Yes. The full 3.5% down can come from a gift. The donor needs to sign a letter confirming it's not a loan.

Question 5

Can I buy a duplex with an FHA loan in Citrus Heights?

Accepted Answer

Yes, up to four units. You must live in one unit as your primary residence.

Question 6

What credit score do lenders actually require for FHA here?

Accepted Answer

FHA allows 580, but many lenders overlay at 620. We find lenders who work at the actual FHA minimums.

FHA Loans in Citrus Heights, CA