Alt Financial Network Inc.

Looking to buy a home in California? An FHA loan might be your ticket. These government-backed loans are designed to make homeownership more accessible, especially in high-cost areas. With a minimum down payment of 3.5% and more flexible credit requirements, they open doors for many first-time buyers. For instance, in 2025, FHA loan limits in California range from $524,225 to over $1.2 million, depending on the county. Programs like CalHFA offer additional assistance, including down payment help and homebuyer education. To get started, consider speaking with a HUD-approved lender to explore your options and see if you qualify.