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FHA 203(b) Standard Loan

FHA 203(b) Standard Loan is a loan program (3.5% min down) from HUD / FHA. Available statewide. Up to 96.5% toward a home purchase. First-time buyer status is not required. Income limit: No income limit.

Up to 96.5%
Listed as open as of May 2026

Available statewide.

First-time buyerNot required
Income limitNo income limit
Minimum credit score580
Maximum DTI43%
OccupationsStatewide
Property typesSFR, 2-4 unit, condo (FHA-approved), manufactured, PUD
OccupancyOwner-occupied primary (60-day occupancy)
Eligible loan productsFHA
Sales price cap2026: $541,287 standard; up to $1,249,125 high-cost
RepaymentN/A, first mortgage. UFMIP 1.75% + annual MIP 0.55-0.85%
StackingLayers with most state/local DPA
NotesMIP for life of loan if <10% down. Workhorse low-down loan.
Source HUD / FHA·official program page·Listed
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: HUD / FHA · program details at the provider’s site.

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