FHA Loan Limits in Solano County, California (2026)
In Solano County — anchored by Solano County — the 2026 FHA loan limit for a single-family home is $541,287. That matches the national FHA floor used across most of the West Coast.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
These 2026 limits apply throughout Solano County, from Solano County outward, and sit alongside the limits set for neighboring Los Angeles and San Diego Counties.
Affording a home in Solano County & Solano County
With Solano County's median sale price estimated near $560,000 (think Solano County), the FHA down payment is roughly $18,945. Factoring California property taxes near 0.75%, expect about $3,967 monthly, pointing to income near $154,000 — above California's $91,905 median household income, so budget carefully.
FHA payment scenarios in Solano County
FHA payments across Solano County price points — from entry homes near Solano County to the county's FHA limit (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $403,000 | $14,105 | $2,983 |
| Local median — $541,287 | $18,945 | $3,967 |
| At the FHA limit — $541,287 | $18,945 | $3,967 |
Estimates include FHA MIP plus California property taxes and insurance. Rates move daily near Solano County too — get notified.
In Solano County and the surrounding Solano County market, FHA's appeal is the math: $18,945 down on a $541,287 home, credit accepted from 580, and assistance programs that can cover closing costs.
Multi-unit FHA limits in Solano County
Solano County's 2026 multi-unit FHA limits reach $692,997 (duplex), $837,720 (triplex), and $1,041,072 (fourplex) — so a buyer in Solano County can live in one unit and rent the rest to offset the mortgage.
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Frequently Asked Questions
- What is the FHA loan limit in Solano County for 2026?
- In Solano County (Solano County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Solano County with FHA?
- For a median-priced ($541,287) Solano County home, plan on income around $154,000 at a 31% housing ratio — about $3,967/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Solano County?
- 3.5% with a 580+ score — roughly $18,945 on a $541,287 Solano County-area home. Gift funds are allowed.
- Is Solano County a high-cost FHA area?
- No — Solano County uses the $541,287 national floor for one unit.