Question 1

What is the FHA loan limit in Sonoma County?

Accepted Answer

Sonoma County falls in a high-cost area, so FHA limits exceed the national baseline. Check current limits before you start shopping — they adjust annually.

Question 2

Can I use FHA to buy a wine country investment property?

Accepted Answer

No. FHA requires the home to be your primary residence. You must move in within 60 days of closing.

Question 3

Will an older Healdsburg home pass FHA appraisal?

Accepted Answer

It depends on condition. FHA appraisers flag peeling paint, roof issues, and safety hazards. Get an inspection before making an FHA offer on an older home.

Question 4

How long does FHA mortgage insurance last?

Accepted Answer

With less than 10% down, MIP lasts the life of the loan. The only exit is refinancing into a conventional loan once you have enough equity.

Question 5

Is FHA or USDA better in Sonoma County?

Accepted Answer

USDA offers zero down and no monthly MIP in eligible rural zones. Not all Sonoma County areas qualify, so check the USDA eligibility map first.

Question 6

What credit score do I need for FHA in Healdsburg?

Accepted Answer

FHA allows 580 for 3.5% down. Some lenders set their own minimums higher. We shop lenders who actually work at FHA's floor.

FHA Loans in Healdsburg, CA — Low Down Payment in Wine Country