FHA Loans in San Jose & Santa Clara County
FHA loans make homeownership accessible for buyers who are earlier in their credit journey or working with a smaller down payment. In the Bay Area, FHA loan limits are higher than the national baseline — making them a viable option even at local price points.
Who this is for
- First-time buyers entering the Bay Area market
- Borrowers with credit scores as low as 580
- Buyers with limited savings for a down payment
- Buyers recovering from past credit challenges
Loan highlights
3.5% down payment minimum
Higher loan limits in Santa Clara County than the national baseline
Flexible credit requirements compared to conventional loans
Gift funds allowed for the down payment
Seller concessions allowed to help cover closing costs
Frequently asked questions
$1,249,125 for a single-family home in 2026.
Yes — both an upfront MIP and an annual MIP are required on FHA loans.
Yes, as long as the condo project is FHA-approved.
Typically 2 years after a Chapter 7 discharge, assuming re-established credit.
Ready to get started?
A quick conversation is the fastest way to know what you qualify for and what your payment would actually look like.
See If an FHA Loan Is Right for You