FHA Loan in San Antonio, TX
Explore fha loan options, payment estimates, and next steps for buyers in San Antonio, TX. Harris Capital Mortgage Group · NMLS# 1918223.
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- ✓Works for purchase or refinance
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Buying in San Antonio, TX
Texas has no state income tax, which can increase your buying power. Property taxes vary significantly by county, your loan officer will factor in local rates.
Harris Capital Mortgage Group (NMLS# 1918223) is licensed to serve buyers in TX. Our loan officers understand the local market and will guide you through every step of the process.
Estimates are for informational purposes only and are not a loan approval or commitment to lend. Rates and terms subject to credit approval and change without notice.
FHA Loan, Common Questions
What is the minimum down payment for an FHA loan?
FHA loans allow down payments as low as 3.5% for borrowers with a credit score of 580 or higher. Scores between 500–579 require 10% down.
Does FHA require mortgage insurance?
Yes. FHA loans require an upfront MIP (1.75% of the loan amount) and an annual MIP paid monthly. For most loans, MIP continues for the life of the loan.
What credit score do I need for FHA?
Most FHA lenders require a minimum score of 580 for 3.5% down. Harris Capital will review your full profile to find the best available path.