Kyle ButterfieldLoan Officer · Sacramento, CA
HomeLoan ProgramsFHA Roseville
FHA Loans · Roseville

FHA loans in Roseville — 3.5% down in a market that moves fast.

Roseville prices have climbed, but FHA still works for many buyers — 3.5% down, flexible credit, and a higher Placer County loan limit. I'll show you the real numbers before you start touring.

Start Your Pre-ApprovalCall 916.223.8583
Program Highlights

Why Roseville buyers choose FHA.

3.5% Down
Minimum 3.5% down with a 580+ FICO. Gift funds from family are fully allowed.
Placer County Limit
2025 FHA loan limit in Placer County is $766,550 for a single-family home — covers most Roseville inventory.
Flexible Credit
Approvals down to 580 FICO. Past bankruptcy 2+ years or foreclosure 3+ years are workable.
DTI Up To 56.9%
Higher debt-to-income limits than conventional — useful when student loans or cars are in the picture.
Best Fit For

Is FHA right for you?

  • First-time Roseville buyers with under 10% saved.
  • Buyers shopping West Roseville, Fiddyment Farm, or Diamond Creek under the FHA limit.
  • Households with strong income but DTI pushed up by debt.
  • Buyers planning to stack CalHFA down payment assistance on top of an FHA first.
How It Works

The FHA loan process, step by step.

  1. 01
    Pre-Approval
    Credit pulled, income verified, real letter issued — usually same day. Roseville agents take FHA pre-approvals seriously when the file is clean.
  2. 02
    Find Your Home
    You shop with confidence. I coordinate with your agent so offers go in clean.
  3. 03
    Appraisal & Underwriting
    FHA appraisals check specific safety items. I manage lender back-and-forth so you're not chasing conditions.
  4. 04
    Clear to Close
    Final numbers locked, you sign at title. Typical Roseville close: 21–30 days from contract.
Common Questions

FHA loans in Roseville — FAQs.

What's the FHA loan limit in Roseville?+

Roseville is in Placer County, so the 2025 FHA limit is $766,550 for a single-family home. Multi-unit limits are higher. Above that you'd look at conventional or jumbo.

Can I use FHA for new construction in West Roseville?+

Yes, but new builds have specific requirements — builder incentives, lender concessions, and final-inspection appraisals. I walk you through what counts and what doesn't before you sign with a builder.

Is FHA competitive against cash offers in Roseville?+

A strong pre-approval letter with verified income, assets, and credit usually beats a weak cash offer. Roseville agents care more about certainty of close than loan type.

Can I combine FHA with CalHFA in Roseville?+

Yes — this is one of the most common Placer County first-time buyer combinations. CalHFA can cover most or all of the FHA 3.5% down.

What credit score do I need for FHA in Roseville?+

580 FICO is the floor for 3.5% down. Below 580 down to 500 requires 10% down. Most Roseville-area lenders prefer 620+ for the smoothest process.

Take the First Step

Let's see what FHA looks like for you in Roseville.

Start Your Pre-ApprovalCall 916.223.8583
Call KyleGet Pre-Approved