FHA Access
1/2 % Down Payment

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County		Program Income Limit		FHA Loan Limit
Los Angeles County:		$74,520		$729,750
Orange County:		$103,320		$729,750
Riverside County:		$77,400		$500,000
Sacramento County		$87,360		$580,000
San Bernardino:		$77,400		$500,000
San Diego:		$89,880		$697,500
San Francisco County:		$116,160		$729,750
San Joaquin Country:		$76,320		$488,750
Ventura County:		$103,320		$729,750

CLICK HERE TO VIEW ALL CALIFORNIA COUNTY INCOME LIMITS.

Sample Scenario # 1:
(Purchase Price: $150,000)

1st: 96.50% ($150,000 x 96.50%) $144.750.00 +
2nd (Down Payment): 3% ($150,000 x 3%) $4,500.00 +
Total Financing 1st & 2nd: 99.5% of Sales Price $149,250.00 =
Borrower Required Down Payment: 1/2% ($150,000 x .5%) $750.00

Borrower Contribution: 1/2% ($750) for DP (Seller pay for Closing Costs)

Principle/Interest- $914 +
Taxes- $156 +
Insurance- $52 +
MI- $68 +
2nd- $43
Payment= $1233

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Sample Scenario # 2:
(Purchase Price: $200,000)

1st: 96.50% ($200,000 x 96.50%) $193,000.00 +
2nd (Down Payment): 3% ($200,000 x 3%) $6,000.00 +
Total Financing 1st & 2nd: 99.5% of Sales Price $193,000.00 =
Borrower Required Down Payment: 1/2% ($200,000 x .5%) $1,000.00

Borrower Contribution: 1/2% ($1,000) for DP (Seller pay for Closing Costs)

Principle/Interest- $1220 +
Taxes- $208 +
Insurance- $70 +
MI- $91 +
2nd- $58
Payment= $1647

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Sample Scenario # 3:
(Purchase Price: $325,000)

1st: 96.50% ($325,000 x 96.50%) $313,625.00 +
2nd (Down Payment): 3% ($325,000 x 3%) $9,750.00 +
Total Financing 1st & 2nd: 99.5% of Sales Price $323,375.00 =
Borrower Required Down Payment: 1/2% ($325,000 x .5%) $1,625.00

Borrower Contribution: 1/2% ($1,625) for DP (Seller pay for Closing Costs)

Principle/Interest- $1982 +
Taxes- $338 +
Insurance- $113 +
MI- $148 +
2nd- $94
Payment= $2675