Question 1

What is the FHA loan limit in San Diego County?

Accepted Answer

San Diego County has a higher FHA limit than most of California. Confirm the current ceiling with us before you shop — Poway prices can push right up against it.

Question 2

Can I use FHA to buy a condo in Poway?

Accepted Answer

Only if the condo project is FHA-approved. Many Poway HOA communities are not on the approved list — verify before making an offer.

Question 3

How long does FHA mortgage insurance last?

Accepted Answer

Put less than 10% down and MIP stays for the life of the loan. Put 10% or more down and MIP drops off after 11 years.

Question 4

Can I qualify for FHA with a 580 credit score in Poway?

Accepted Answer

Yes, 580 qualifies you for 3.5% down under FHA guidelines. Lender overlays sometimes require 600 or 620 — we know which lenders go to 580.

Question 5

Is FHA a good fit for Poway's home prices?

Accepted Answer

It depends on the price point. Poway's market often runs near or above the county FHA limit, so confirm the ceiling before you start your search.

Question 6

What's the minimum down payment for FHA in Poway?

Accepted Answer

3.5% down with a 580+ credit score. On a Poway purchase, that's a meaningful chunk of cash — gift funds from family are allowed.

FHA Loans in Poway: Low Down, Real Approval