Question 1

What is the FHA loan limit in Yolo County?

Accepted Answer

FHA loan limits change annually. Check HUD's current limits for Yolo County before assuming a number — they're different from high-cost coastal counties.

Question 2

Can I use FHA to buy a fixer-upper in Winters?

Accepted Answer

Yes. The FHA 203k rehab loan lets you finance purchase and renovation costs in one loan. It adds paperwork, but it works for older Winters-area homes.

Question 3

Does Winters qualify for USDA loans instead of FHA?

Accepted Answer

Much of the Winters area is in USDA-eligible territory. USDA requires zero down and no monthly MIP, which often beats FHA if the property qualifies.

Question 4

How long does FHA approval take in a small market like Winters?

Accepted Answer

Timeline is driven by lender and appraisal scheduling, not city size. Expect 21–35 days on a clean file. Rural properties can take longer to appraise.

Question 5

Can I remove mortgage insurance from an FHA loan?

Accepted Answer

With 3.5% down, MIP stays for the life of the loan. The only way out is to refinance into a conventional loan once you've built enough equity.

Question 6

What credit score do I need for FHA in Winters?

Accepted Answer

FHA allows scores down to 500, but most lenders set their own floor at 580 or higher. Below 580, expect 10% down and fewer lender options.

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