Question 1

What is the FHA loan limit in Santa Clara County?

Accepted Answer

Santa Clara County is a high-cost area with FHA limits well above the national floor. Contact us for the current limit as of April 2026.

Question 2

Can I use FHA to buy a condo in Santa Clara?

Accepted Answer

Yes, but the condo complex must be on HUD's approved list. Many Santa Clara buildings are not FHA-approved — check before you make an offer.

Question 3

How much do I need to put down with an FHA loan?

Accepted Answer

3.5% down with a 580+ credit score. You need 10% down if your score falls between 500 and 579.

Question 4

Does FHA mortgage insurance ever go away?

Accepted Answer

Not if you put less than 10% down — MIP stays for the loan's life. At 10%+ down, it drops after 11 years.

Question 5

Will sellers in Santa Clara accept FHA offers?

Accepted Answer

Some won't — FHA appraisals are stricter and closings can feel riskier to sellers. A clean pre-approval and fast timeline help your offer compete.

Question 6

Can RSU or stock income qualify for FHA in Santa Clara?

Accepted Answer

It can count, but it must be documented with two years of history and a continuation likelihood. Your lender will need tax returns and award letters.

FHA Loans in Santa Clara, CA — Low Down, Real Buying Power