Question 1

What is the FHA loan limit in San Francisco County?

Accepted Answer

SF County is a high-cost area, so FHA limits are at the national ceiling. Confirm the current limit with us — it adjusts annually.

Question 2

Can I use FHA to buy a condo in San Francisco?

Accepted Answer

Only if the condo project is FHA-approved. Many SF buildings aren't on the list. Check the HUD condo search tool before making an offer.

Question 3

Is FHA or conventional better for buying in SF?

Accepted Answer

Depends on your credit and down payment. Below 620 credit, FHA is usually your only option. Above 620, run both scenarios side by side.

Question 4

How long does FHA mortgage insurance last?

Accepted Answer

Put less than 10% down and MIP lasts the life of the loan. Put 10% or more down and it drops after 11 years.

Question 5

Do sellers in San Francisco accept FHA offers?

Accepted Answer

Some do, some don't. A clean pre-approval and flexible terms help. FHA's property condition requirements can complicate offers on fixer properties.

Question 6

What credit score do I need for an FHA loan in SF?

Accepted Answer

FHA minimum is 580 for 3.5% down. Individual lenders may require 600 or 620 due to their own overlays. We find lenders who match your profile.

FHA Loans in San Francisco: What You Need to Know