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San Diego area, San Diego, San Diego, NAS North Island · San Diego County

FHA Loans in
San Diego, CA

3.5% down payment. Low MIP. FHA rates from 5.750%. Valley West Mortgage is licensed in CA and serves buyers throughout Oceanside, Carlsbad, Chula Vista, Escondido, El Cajon, and all of San Diego County.

Check Your San Diego FHA Rate (702) 696-9900
5.750%
FHA 30yr Rate
$0
Down Payment
$1,104,000
San Diego County Limit
$825,000
Median Home Price
SAN DIEGO FHA LOANS

Why Buyers in San Diego Choose FHA Loans

3.5% Down in San Diego

At a median price of $825,000, a conventional loan would require $41250+ down (5%). With a FHA loan, you keep that cash in your pocket.

Low MIP Savings

On a $825,000 home in San Diego County, you save approximately $200-350/month by avoiding private mortgage insurance that FHA and conventional loans require.

Local Expertise

Valley West Mortgage is headquartered in Las Vegas and has been serving CA buyers since 2004. We know the San Diego market inside and out.

PAYMENT ESTIMATE

FHA Payment in San Diego

Estimated monthly P&I on a $825,000 home
$4,814

5.750% rate · 30-year fixed · 3.5% down · affordable MIP

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NEARBY BASES

Popular FHA Neighborhoods in San Diego

Active duty, buyers, Guard, Reserve, and eligible surviving spouses stationed at or near San Diego area, San Diego, San Diego, NAS North Island can use their FHA benefit to buy a home in San Diego County.

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FAQ

San Diego FHA Loan Questions

FHA 30-year fixed rates in San Diego, CA start at 5.750% as of March 2026. FHA 15-year rates start at 5.500%. These are wholesale broker rates from Valley West Mortgage for 740+ credit scores. Your personalized rate depends on your credit profile and loan details.
The 2026 conforming loan limit in San Diego County is $1,104,000 for a single-family home. However, buyers with standard FHA have FHA loan limit of $532,900 in Clark County and can purchase at any price with 3.5% down.
A typical FHA purchase in San Diego closes in 25-30 days. Valley West Mortgage regularly closes in 21 days thanks to our local market knowledge and wholesale lender relationships. FHA Streamline refinances can close in as little as 15 days.
Yes, as long as the condo complex is FHA-approved or qualifies under the FHA single-unit approval process. Valley West can check FHA approval status for any condo in San Diego County and help you navigate the approval process if needed.
RELATED

Related Resources

FHA Purchase LoansToday's FHA RatesSan Diego Loan LimitsFHA EligibilityPayment Calculator
EXPLORE

Related Resources

FHA PurchaseRates TodayFHA EligibilityPayment CalculatorFHA Limits
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EXPLORE

FHA Resources

→ FHA Requirements → FHA Rates Today → FHA Calculator → Credit Score Guide → Down Payment Guide → FHA vs Conventional → First-Time Buyer → Get Pre-Approved → Closing Costs → Pros & Cons
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FHA rates from 5.750%. 3.5% down. Low MIP. Check your rate in 60 seconds.

Check Your FHA Rate (702) 696-9900

No SSN required · No credit impact · NMLS #65506

FAQ

Frequently Asked Questions

Yes. Valley West Mortgage is licensed in California and provides FHA home loans throughout San Diego County including Oceanside, Carlsbad, Chula Vista, Escondido, and areas near San Diego area, San Diego, and MCAS Miramar.

San Diego County is a high-cost area with a 2026 conforming loan limit of $1,006,250. Buyers with standard FHA have county limits apply and can borrow any amount with 3.5% down. This higher limit reflects San Diego's elevated home prices.

Yes. While San Diego home prices are higher than the national average (median approximately $850,000-$950,000), the FHA's 3.5% down payment and low MIP requirements make homeownership significantly more accessible for homebuyer families stationed in the area.

All qualified members and buyers from San Diego home buying installations qualify for FHA loans, including San Diego, MCAS Miramar, San Diego area, Naval Base Point Loma, Naval Air Station North Island, and Marine Corps Recruit Depot San Diego.

Yes. Oceanside, Vista, San Marcos, and Fallbrook offer homes in the $500,000-$700,000 range, well within FHA loan limits and often affordable with E-5+ BAH rates. Valley West can help you calculate affordability based on your specific BAH allocation.

FHA rates from 5.750%
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