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FHA Loans in California

FHA loans are government-backed mortgages insured by the Federal Housing Administration. They are designed to make homeownership more accessible — offering low down payments, flexible credit requirements, and competitive rates for buyers who may not qualify for conventional financing.

At Lendia, we help California homebuyers navigate the FHA process from pre-approval through closing. Whether you’re a first-time buyer in Orange County, rebuilding after a financial setback, or looking to purchase a multi-unit property in Southern California, FHA financing may be the right path.

FHA Loan At a Glance

Feature Details
Minimum Down Payment 3.5% (with 580+ credit score)
Minimum Credit Score 580 standard; 500 with 10% down
Maximum Loan Term 30 years fixed
2026 Loan Limit (1-unit, high-cost CA) $1,249,125
Seller Concessions Up to 6% of purchase price
Mortgage Insurance Upfront (1.75%) + monthly MIP
Prepayment Penalty None
Eligible Properties 1–4 unit primary residences, condos, PUDs, manufactured homes

FHA Loan Education — Full Q&A Library

Use the links below to explore every aspect of FHA financing, sourced from current lender guidelines and written in plain language for homebuyers and real estate professionals.

Ready to Get Started?

Connect with a Lendia loan advisor to review your options, check current FHA rates, and get pre-approved. We’ll walk you through every step.