Question 1

What is the FHA loan limit in Santa Clara County?

Accepted Answer

The FHA limit is $1,209,750 in Santa Clara County as of April 2026. Many Los Altos homes are priced above that ceiling.

Question 2

Can I use an FHA loan to buy a condo in Los Altos?

Accepted Answer

Yes, but the condo complex must be on HUD's approved list. Check FHA approval status before making an offer.

Question 3

How does mortgage insurance work on an FHA loan?

Accepted Answer

FHA charges an upfront MIP of 1.75% of the loan amount, plus an annual premium paid monthly. It stays for the life of the loan with under 10% down.

Question 4

Is FHA a good fit for Los Altos buyers?

Accepted Answer

For most buyers here, the price point pushes past FHA limits. It works best for condos or townhomes priced under the county cap.

Question 5

What credit score do I need for FHA in Los Altos?

Accepted Answer

FHA allows scores as low as 580 for 3.5% down. Below 580, you need 10% down and fewer lenders will approve the loan.

Question 6

Can sellers in Los Altos refuse FHA offers?

Accepted Answer

Sellers can legally choose any offer. FHA appraisal requirements make some sellers cautious, especially on older or dated homes.

FHA Loans in Los Altos, CA: What You Need to Know