Question 1

What is the FHA loan limit in Santa Clara County?

Accepted Answer

Santa Clara County qualifies for high-cost FHA limits. Check HUD's current table — limits adjust annually and affect what you can borrow in Cupertino.

Question 2

Can I use FHA to buy a condo in Cupertino?

Accepted Answer

Only FHA-approved condo projects qualify. Many Cupertino condo complexes are not on the approved list, so check before you make an offer.

Question 3

Does FHA work for H-1B visa holders in Cupertino?

Accepted Answer

Yes. FHA allows non-permanent resident aliens with valid work authorization. Lenders will want to see your visa, employment history, and credit profile.

Question 4

How does FHA mortgage insurance work?

Accepted Answer

FHA charges 1.75% upfront at closing plus an annual premium. Unlike conventional PMI, FHA annual MIP stays for the life of the loan on most terms.

Question 5

Can a seller pay my closing costs on an FHA loan?

Accepted Answer

Yes — FHA allows seller concessions up to 6% of the purchase price. In a competitive Cupertino market, getting sellers to contribute is tough but possible.

Question 6

Is FHA a good fit for Cupertino's price range?

Accepted Answer

It depends on the property price. If the home falls within Santa Clara County's FHA limit, it can work. Above the limit, you'll need conventional or jumbo financing.

FHA Loans in Cupertino, CA — What You Need to Know