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Showing 2 fha loan specialists in Oakhurst, CA
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Granite West Funding, LLC
40879 CA-41 #1a, Oakhurst, CA 93644
5595402275
Yosemite Mortgage
40055 CA-41 A, Oakhurst, CA 93644
5596835500
What Does a FHA Loan Specialist in Oakhurst Cost?
Typical costs for an FHA loan in California include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 0.85 percent. Closing costs usually range from 2 to 5 percent of the purchase price. For a $300,000 loan expect total closing costs between $6,000 and $15,000. These costs vary by lender and property. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What credit score is needed for an FHA loan in Oakhurst?
Most FHA loans require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may have additional requirements.
Are there FHA loan limits for Oakhurst California?
Yes FHA loan limits vary by county. For Madera County the 2025 FHA loan limit for a single-family home is typically around the standard floor of $498,257. High-cost area adjustments may not apply to Oakhurst.
How long does an FHA loan closing take in California?
A typical FHA loan closing in California takes 30 to 45 days from application to funding. Delays can occur if the property needs repairs required by FHA appraisal standards. Your specialist will guide you through each step.