Question 1

What is the FHA loan limit in San Bernardino County?

Accepted Answer

San Bernardino County has a set FHA conforming limit for single-family homes. Most Needles properties fall well below it, giving you room to work with.

Question 2

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

Accepted Answer

Yes — the FHA 203k loan covers purchase and renovation in one loan. Older Needles homes often need work, making this a practical option.

Question 3

Does the property have to pass an FHA appraisal?

Accepted Answer

Yes. FHA appraisers check safety and livability, not just value. In desert climates, HVAC and roof condition get scrutinized closely.

Question 4

How much is FHA mortgage insurance?

Accepted Answer

FHA charges 1.75% upfront and an annual premium around 0.55% on most 30-year loans. It stays for the life of the loan with less than 10% down.

Question 5

Is Needles eligible for USDA loans instead of FHA?

Accepted Answer

Needles qualifies as rural, so USDA eligibility exists. As of March 2026, USDA direct loan caps tightened — compare both programs before deciding.

Question 6

Can I qualify with a recent bankruptcy or late payments?

Accepted Answer

FHA allows approval 2 years after Chapter 7 discharge. Late payments hurt but don't automatically disqualify — the full file matters.

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