Question 1

What is the FHA loan limit in Solano County?

Accepted Answer

Solano County has its own FHA loan limit set annually by HUD. Check current limits before you shop — they determine your max borrowing power with FHA.

Question 2

Can I use FHA to buy a home in Suisun City with bad credit?

Accepted Answer

FHA accepts scores down to 500. Below 580, you need 10% down — but yes, it's possible with the right lender.

Question 3

Does FHA mortgage insurance ever go away?

Accepted Answer

On loans with less than 10% down, MIP stays for the life of the loan. Put 10% or more down and MIP drops off after 11 years.

Question 4

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

Accepted Answer

Yes — sellers can contribute up to 6% of the purchase price toward your closing costs. Negotiate that into your offer.

Question 5

What property types qualify for FHA in Suisun City?

Accepted Answer

Single-family homes, 2-4 unit properties, and approved condos qualify. The property must meet FHA minimum condition standards at appraisal.

Question 6

How does FHA compare to conventional for a Suisun City first-time buyer?

Accepted Answer

FHA wins on credit flexibility and down payment. Conventional costs less long-term if your score is above 700 — no permanent MIP.

FHA Loans in Suisun City, CA — Low Down, Real Approval