Question 1

What is the FHA loan limit in Tulare County?

Accepted Answer

Tulare County falls in a standard FHA limit area. Check current HUD tables — limits adjust annually and cover most Dinuba home prices comfortably.

Question 2

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

Accepted Answer

FHA allows scores as low as 500. Below 580, you'll need 10% down and a lender willing to go that low.

Question 3

Does seasonal farm income count for FHA qualification?

Accepted Answer

It can. Lenders average two years of income and want consistent work history. Gaps hurt — solid documentation helps.

Question 4

How much is FHA mortgage insurance in California?

Accepted Answer

Upfront MIP is 1.75% of the loan amount. Annual MIP runs 0.55% for most 30-year loans. Rates vary by borrower profile and market conditions.

Question 5

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

Accepted Answer

Yes. FHA allows sellers to contribute up to 6% of the purchase price toward your closing costs and prepaids.

Question 6

Is FHA or USDA better for Dinuba home buyers?

Accepted Answer

USDA wins if the property is eligible — zero down beats 3.5%. FHA is the fallback for properties or borrowers that don't fit USDA's rules.

FHA Loans in Dinuba, CA — Low Down, Real Access