Question 1

What is the FHA loan limit in Santa Clara County?

Accepted Answer

Santa Clara County sits in a high-cost area, so FHA limits are well above the national baseline. Contact us for the current limit — it adjusts annually.

Question 2

Can I use FHA to buy a condo in Sunnyvale?

Accepted Answer

Yes, but the condo complex must be FHA-approved. Check HUD's approved list before you fall in love with a unit.

Question 3

Does FHA mortgage insurance ever go away?

Accepted Answer

On most FHA loans made after 2013 with less than 10% down, MIP stays for the life of the loan. Refinancing into conventional is the typical exit.

Question 4

How much down payment do I need for FHA in Sunnyvale?

Accepted Answer

With a 580+ credit score, you need just 3.5% down. On a high-priced Sunnyvale purchase, that's still a significant dollar amount.

Question 5

Can my down payment be a gift from family?

Accepted Answer

Yes. FHA allows 100% of the down payment to come from a gift. The donor must provide a signed gift letter confirming no repayment is required.

Question 6

Why do some Sunnyvale sellers resist FHA offers?

Accepted Answer

FHA appraisals flag property condition issues that conventional appraisals often overlook. A strong pre-approval letter and clean offer terms help offset that perception.

FHA Loans in Sunnyvale, CA — Low Down, Real Buying Power