Fresno FHA Loan Rates, Closing Costs & Stats

FRESNO, CA

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Fresno's 130 lenders originated 2,579 FHA loans during 2024. The total origination value was $925,255,000, with an average FHA loan value of $358,765.

    Fresno FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Fresno averaged 0.15% for the week of 2025-07-04, compared to the national average (all FHA variants) of 0% for the same period.

    Fresno's average FHA mortgage closing costs are $10,496.

    The average rate for the prior week (2025-06-27) was 6.73% and one month ago for the week of 2025-05-30, the average rate was 6.8%.

    The average rate one year ago was 6.83%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.46%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Fresno FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Fresno level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 451 6.00% $16,287
    Century Mortgage Company DBA Century Lending Company 235 6.14% $15,980
    QUICKEN LOANS, LLC 193 6.17% $14,688
    EAGLE HOME MORTGAGE, LLC 136 5.81% $16,712
    ALAMEDA MORTGAGE CORPORATION 130 6.39% $16,631
    Golden Empire Mortgage, Inc. 82 6.30% $15,750
    KBHS HOME LOANS, LLC 70 5.90% $20,399
    PENNYMAC LOAN SERVICES, LLC 64 5.93% $12,088
    INSPIRE HOME LOANS INC. 63 5.22% $12,337
    Paramount Residential Mortgage Group, Inc. 55 6.34% $14,962
    Sierra Pacific Mortgage Company, Inc. 47 6.18% $15,784
    FREEDOM MORTGAGE CORPORATION 40 6.32% $14,013
    Equity Prime Mortgage LLC 29 6.65% $17,164
    BAY-VALLEY MORTGAGE GROUP 25 6.53% $16,060
    PLAZA HOME MORTGAGE, INC. 25 6.68% $15,314
    CMG MORTGAGE, INC. 24 5.97% $16,083
    GUILD MORTGAGE COMPANY 22 6.53% $16,822
    BROKER SOLUTIONS, INC. 21 6.65% $13,665
    AMERICAN FINANCIAL NETWORK, INC. 20 6.20% $15,440
    DHI MORTGAGE COMPANY, LTD. 20 5.38% $11,470
    LOANDEPOT.COM, LLC 19 6.33% $13,875
    SUN WEST MORTGAGE COMPANY, INC. 18 5.99% $16,206
    FIRST COMMUNITY MORTGAGE, INC. 18 6.07% $14,225
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 18 6.69% $13,143
    CROSSCOUNTRY MORTGAGE, LLC 17 6.24% $16,074
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 16 6.21% $14,139
    PREMIER MORTGAGE RESOURCES, L.L.C. 15 6.37% $15,137
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 15 5.11% $19,543
    JMAC LENDING, INC. 14 6.16% $13,355
    LAKEVIEW LOAN SERVICING, LLC 14 6.39% $10,454
    AMERICAN PACIFIC MORTGAGE CORPORATION 13 6.50% $14,704
    Commerce Home Mortgage, Inc. 13 6.52% $13,632
    Lakeview Community Capital, LLC 13 6.25% $9,947
    ALTITUDE FINANCIAL CORPORATION 12 6.04% $8,653
    HOMEBRIDGE FINANCIAL SERVICES, INC. 12 6.17% $15,381
    Carrington Mortgage Services, LLC 12 6.46% $17,129
    OCMBC, INC. 11 6.72% $14,157
    Mr. Cooper ( Nationstar Mortgage ) 11 6.63% $15,903
    PLANET HOME LENDING, LLC 11 6.20% $10,521
    The Loan Store, Inc. 11 6.06% $15,841
    NEWREZ LLC 11 6.38% $9,719
    NORWICH COMMERCIAL GROUP, INC. 10 6.00% $11,933
    AHL FUNDING 9 6.42% $14,720
    CLM MORTGAGE, INC 9 5.57% $12,759
    VILLAGE CAPITAL MORTGAGE 8 6.12% $9,282
    GUARANTEED RATE, INC. 8 6.12% $12,278
    BAY EQUITY LLC 7 6.73% $15,006
    LOANPAL, LLC 6 5.92% $13,217
    Flagstar Bank, FSB 6 6.23% $9,300
    THE GOLDEN 1 6 6.44% $11,448
    Pacific Lending LLC 6 6.31% $18,029
    ZILLOW HOME LOANS, LLC 6 6.48% $11,910
    AMERISAVE MORTGAGE CORPORATION 6 6.73% $18,384
    CARDINAL FINANCIAL 6 6.75% $11,166
    CITYWIDE HOME LOANS, LLC 5 6.58% $14,332
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.83% $17,016
    LAND HOME FINANCIAL SERVICES, INC. 5 6.65% $12,924
    NATIONS DIRECT MORTGAGE, LLC 5 6.15% $16,748
    AmeriHome Mortgage Company, LLC 5 6.38% $11,329
    MASON MCDUFFIE MORTGAGE CORPORATION 5 6.43% $13,440
    Home Mortgage Alliance Corp 4 6.16% $14,372
    Performance Financial, Inc. 4 6.50% $14,540
    U.S. Bank 4 6.34% $11,512
    Cornerstone First Mortgage, Inc 4 5.75% $15,640
    PANORAMA MORTGAGE GROUP, LLC 4 5.94% $18,660
    PRIMARY RESIDENTIAL MORTGAGE, INC. 4 7.13% $14,439
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 6.78% $10,384
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.88% $16,885
    CASTLE & COOKE MORTGAGE, LLC 3 6.58% $13,922
    Hometown Equity Mortgage, LLC 3 6.17% $16,887
    JPMorgan Chase Bank 3 6.75% $9,972
    MID AMERICA MORTGAGE, INC. 3 6.38% $4,515
    NETWORK CAPITAL FUNDING CORPORATION 3 6.00% $18,238
    OPEN MORTGAGE, LLC 3 6.75% $20,932
    S1L, Inc. 3 6.33% $14,459
    TOP FLITE FINANCIAL, INC. 3 6.75% $22,551
    VERITAS FUNDING, LLC 3 6.25% $15,686
    Wells Fargo Bank 2 5.56% $12,256
    Waterstone Mortgage Corporation 2 7.00% $14,752
    PACIFIC SERVICE 2 6.06% $12,522
    Nations Lending Corporation 2 6.63% $17,118
    CALCON MUTUAL MORTGAGE LLC 2 6.50% $16,636
    Bank of America 2 6.31% $5,994
    FBC MORTGAGE, LLC 2 5.94% $25,489
    The Federal Savings Bank 2 6.38% $16,084
    CHURCHILL MORTGAGE CORPORATION 2 6.19% $14,015
    AMERICAN FINANCING CORPORATION 2 5.75% $13,468
    Northpointe Bank 1 5.63% $14,986
    GEO-CORP, INC. 1 8.25% $18,400
    NOVA FINANCIAL & INVESTMENT CORPORATION 1 6.75% $5,774
    GENEVA FINANCIAL, LLC 1 7.13% $17,467
    ONY GLO, INC. 1 6.50% $14,618
    Franklin Loan Corporation 1 5.99% $15,332
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.13% $10,376
    FIRST COLONY MORTGAGE CORPORATION 1 5.75% $11,884
    EVERETT FINANCIAL, INC. 1 6.75% $13,726
    EMM LOANS LLC 1 5.99% $16,645
    Plains Commerce Bank 1 6.50% $17,845
    COASTAL FUNDING SLC, INC. 1 6.63% $19,639
    CENTRAL COAST LENDING, INC. 1 6.25% $11,660
    CANOPY MORTGAGE, LLC 1 7.13% $19,054
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.13% $22,705
    RANLIFE, INC. 1 4.99% $17,823
    RESIDENTIAL BANCORP 1 6.63% $20,004
    BETTER MORTGAGE CORPORATION 1 5.88% $19,465
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.50% $11,981
    Barrington Bank & Trust Company, N.A. 1 7.25% $12,528
    SUMMIT FUNDING, INC. 1 6.13% $24,518
    T2 FINANCIAL LLC 1 6.75% $11,366
    AXIA FINANCIAL, LLC 1 5.75% $19,873
    AMERITRUST MORTGAGE CORPORATION 1 5.63% $11,751
    TOWNE MORTGAGE COMPANY 1 5.75% $10,375
    Umpqua Bank 1 7.00% $11,287
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 5.99% $12,962
    Loan Simple, Inc. 1 7.25% $19,404
    American Mortgage & Equity Consultants, Inc. 1 6.13% $9,508
    ML Mortgage Corp. 1 6.63% $13,343
    MORIA DEVELOPMENT, INC. 1 7.13% $12,219
    Mortgage Research Center, LLC 1 6.99% $12,949
    MOUNTAIN WEST FINANCIAL, INC. 1 6.75% $14,402
    LEADERONE FINANCIAL CORPORATION 1 6.75% $12,875
    MOVEMENT MORTGAGE, LLC 1 6.25% $13,795
    HomeStreet Bank 1 6.00% $10,665
    M&T Bank 1 7.13% $11,874
    A&D Mortgage LLC 1 6.50% $18,161
    NASA Federal Credit Union 1 5.75% $15,916
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 6.00% $15,548
    AMERICAN FINANCIAL RESOURCES, INC. 1 6.13% $9,320
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.75% $10,604
    NMSI, INC. 1 5.75% $25,741

    The top Fresno FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 451 FHA loans originated. Their average total fees are $16,287, which is $307 higher than the next largest lender, Century Mortgage Company DBA Century Lending Company.

    The lowest fee Fresno FHA lenders (with over 10 loans originated) are ALTITUDE FINANCIAL CORPORATION ($8,653), NEWREZ LLC ($9,719), Lakeview Community Capital, LLC ($9,947), LAKEVIEW LOAN SERVICING, LLC ($10,454) and PLANET HOME LENDING, LLC ($10,521).

    The lowest rate Fresno FHA lenders (with over 10 loans originated) are K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. (5.11%), INSPIRE HOME LOANS INC. (5.22%), DHI MORTGAGE COMPANY, LTD. (5.38%), EAGLE HOME MORTGAGE, LLC (5.81%) and KBHS HOME LOANS, LLC (5.90%).

    Fresno FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    FRESNO, CA FRESNO 2022 $420,680 $538,650 $651,050 $809,150
    FRESNO, CA FRESNO 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Fresno (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $305,680 (11.2%) $396,176 (8.0%) 1.13 1,690
    2018-02-01 $304,950 (10.9%) $396,397 (7.3%) 1.11 1,707
    2018-03-01 $309,950 (12.7%) $404,628 (8.7%) 1.09 1,766
    2018-04-01 $313,450 (8.1%) $403,543 (6.0%) 1.06 1,862
    2018-05-01 $315,000 (5.0%) $409,878 (2.9%) 1.05 1,945
    2018-06-01 $316,450 (2.5%) $416,087 (3.1%) 1.06 2,077
    2018-07-01 $315,000 (3.3%) $409,884 (0.9%) 1.05 2,176
    2018-08-01 $315,000 (4.6%) $403,164 (0.1%) 1.06 2,269
    2018-09-01 $310,000 (3.3%) $396,527 (0.5%) 1.04 2,399
    2018-10-01 $309,987 (1.6%) $399,187 (1.8%) 1.05 2,474
    2018-11-01 $309,450 (-0.1%) $396,931 (0.8%) 1.05 2,437
    2018-12-01 $309,900 (0.3%) $396,191 (0.3%) 1.07 2,232
    2019-01-01 $305,250 (-0.1%) $382,184 (-3.5%) 1.05 2,083
    2019-02-01 $308,338 (1.1%) $384,972 (-2.9%) 1.04 2,135
    2019-03-01 $313,429 (1.1%) $400,178 (-1.1%) 1.02 2,133
    2019-04-01 $317,806 (1.4%) $396,815 (-1.7%) 1.01 2,202
    2019-05-01 $325,000 (3.2%) $404,783 (-1.2%) 1.02 2,238
    2019-06-01 $334,900 (5.8%) $415,088 (-0.2%) 1.05 2,283
    2019-07-01 $337,500 (7.1%) $415,442 (1.4%) 1.06 2,257
    2019-08-01 $333,130 (5.8%) $412,057 (2.2%) 1.05 2,289
    2019-09-01 $328,824 (6.1%) $407,101 (2.7%) 1.05 2,298
    2019-10-01 $326,571 (5.4%) $407,345 (2.0%) 1.05 2,267
    2019-11-01 $325,900 (5.3%) $412,119 (3.8%) 1.07 2,133
    2019-12-01 $326,785 (5.5%) $407,612 (2.9%) 1.09 1,931
    2020-01-01 $329,000 (7.8%) $410,971 (7.5%) 1.10 1,677
    2020-02-01 $329,000 (6.7%) $407,099 (5.8%) 1.08 1,641
    2020-03-01 $339,913 (8.5%) $426,183 (6.5%) 1.07 1,601
    2020-04-01 $336,840 (6.0%) $417,015 (5.1%) 1.06 1,686
    2020-05-01 $340,000 (4.6%) $428,926 (6.0%) 1.03 1,575
    2020-06-01 $349,855 (4.5%) $443,563 (6.9%) 1.03 1,323
    2020-07-01 $354,500 (5.0%) $458,808 (10.4%) 1.03 1,119
    2020-08-01 $363,950 (9.3%) $469,221 (13.9%) 1.04 1,022
    2020-09-01 $362,500 (10.2%) $475,461 (16.8%) 1.04 1,040
    2020-10-01 $359,450 (10.1%) $479,276 (17.7%) 1.03 1,022
    2020-11-01 $362,675 (11.3%) $497,854 (20.8%) 1.06 950
    2020-12-01 $354,500 (8.5%) $485,674 (19.2%) 1.05 857
    2021-01-01 $365,000 (10.9%) $500,299 (21.7%) 1.09 694
    2021-02-01 $362,500 (10.2%) $510,906 (25.5%) 1.06 637
    2021-03-01 $373,900 (10.0%) $520,334 (22.1%) 1.06 640
    2021-04-01 $389,225 (15.6%) $537,645 (28.9%) 1.05 679
    2021-05-01 $399,900 (17.6%) $554,522 (29.3%) 1.06 725
    2021-06-01 $406,143 (16.1%) $557,319 (25.7%) 1.07 855
    2021-07-01 $399,950 (12.8%) $545,308 (18.9%) 1.06 964
    2021-08-01 $401,750 (10.4%) $542,345 (15.6%) 1.07 1,035
    2021-09-01 $413,500 (14.1%) $634,237 (33.4%) 1.10 1,073
    2021-10-01 $419,000 (16.6%) $542,913 (13.3%) 1.12 1,029
    2021-11-01 $427,000 (17.7%) $552,727 (11.0%) 1.14 967
    2021-12-01 $437,000 (23.3%) $567,941 (16.9%) 1.18 838
    2022-01-01 $439,000 (20.3%) $580,001 (15.9%) 1.19 677
    2022-02-01 $420,000 (15.9%) $566,072 (10.8%) 1.09 671
    2022-03-01 $434,950 (16.3%) $582,657 (12.0%) 1.09 722
    2022-04-01 $449,000 (15.4%) $595,920 (10.8%) 1.07 812
    2022-05-01 $454,997 (13.8%) $591,873 (6.7%) 1.04 1,022
    2022-06-01 $452,950 (11.5%) $577,404 (3.6%) 1.01 1,245
    2022-07-01 $449,900 (12.5%) $563,143 (3.3%) 1.01 1,614
    2022-08-01 $442,500 (10.1%) $551,008 (1.6%) 1.02 1,646
    2022-09-01 $447,450 (8.2%) $551,236 (-13.1%) 1.05 1,651
    2022-10-01 $435,000 (3.8%) $542,135 (-0.1%) 1.02 1,722
    2022-11-01 $427,000 (0.0%) $543,406 (-1.7%) 1.03 1,713
    2022-12-01 $430,000 (-1.6%) $549,282 (-3.3%) 1.06 1,487
    2023-01-01 $437,000 (-0.5%) $557,223 (-3.9%) 1.08 1,313
    2023-02-01 $441,250 (5.1%) $578,412 (2.2%) 1.06 1,159
    2023-03-01 $444,968 (2.3%) $588,557 (1.0%) 1.05 1,067
    2023-04-01 $450,000 (0.2%) $611,634 (2.6%) 1.05 981
    2023-05-01 $472,275 (3.8%) $623,300 (5.3%) 1.07 1,023
    2023-06-01 $477,533 (5.4%) $624,819 (8.2%) 1.07 1,062
    2023-07-01 $486,250 (8.1%) $635,826 (12.9%) 1.11 1,115
    2023-08-01 $481,250 (8.8%) $635,747 (15.4%) 1.11 1,279
    2023-09-01 $473,960 (5.9%) $616,563 (11.9%) 1.10 1,345
    2023-10-01 $469,000 (7.8%) $607,462 (12.1%) 1.10 1,443
    2023-11-01 $460,000 (7.7%) $597,325 (9.9%) 1.10 1,545
    2023-12-01 $461,500 (7.3%) $608,460 (10.8%) 1.13 1,469
    2024-01-01 $453,470 (3.8%) $604,108 (8.4%) 1.11 1,307
    2024-02-01 $467,300 (5.9%) $619,217 (7.1%) 1.12 1,222
    2024-03-01 $469,000 (5.4%) $623,043 (5.9%) 1.10 1,206
    2024-04-01 $478,500 (6.3%) $628,172 (2.7%) 1.11 1,306
    2024-05-01 $482,250 (2.1%) $637,976 (2.4%) 1.10 1,402
    2024-06-01 $482,000 (0.9%) $626,506 (0.3%) 1.10 1,430
    2024-07-01 $478,426 (-1.6%) $617,149 (-2.9%) 1.09 1,593
    2024-08-01 $479,950 (-0.3%) $630,266 (-0.9%) 1.12 1,634
    2024-09-01 $481,000 (1.5%) $626,951 (1.7%) 1.13 1,755
    2024-10-01 $477,327 (1.8%) $611,290 (0.6%) 1.12 1,759
    2024-11-01 $479,694 (4.3%) $607,430 (1.7%) 1.15 1,751
    2024-12-01 $477,485 (3.5%) $600,479 (-1.3%) 1.19 1,555
    2025-01-01 $475,000 (4.8%) $594,861 (-1.5%) 1.19 1,516
    2025-02-01 $475,000 (1.7%) $599,010 (-3.3%) 1.15 1,649
    2025-03-01 $480,000 (2.4%) $609,425 (-2.2%) 1.13 1,695
    2025-04-01 $479,500 (0.2%) $607,654 (-3.3%) 1.11 1,861
    2025-05-01 $475,000 (-1.5%) $593,670 (-6.9%) 1.08 1,984
    Fresno's median listing price for 2025-05-01 was $475,000, a difference of $-7,250 (-1.5%) versus the prior year and $-4,500 versus the prior month.

    Fresno's median listing price comes in at 108% of the national average.

    Fresno's average listing price for 2025-05-01 was $593,670, a difference of $-44,306 (-6.9%) versus the prior year and $-13,984 versus the prior month.

    For the 2025-05-01 period, Fresno had 1,984 MLS listings, a difference of 123 listings (7%) versus the prior month and 582 listings (42%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Fresno (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 62 days 1,885 sqft
    2018-02-01 44 days 1,869 sqft
    2018-03-01 43 days 1,900 sqft
    2018-04-01 43 days 1,900 sqft
    2018-05-01 40 days 1,893 sqft
    2018-06-01 43 days 1,892 sqft
    2018-07-01 43 days 1,877 sqft
    2018-08-01 43 days 1,873 sqft
    2018-09-01 47 days 1,862 sqft
    2018-10-01 50 days 1,849 sqft
    2018-11-01 52 days 1,852 sqft
    2018-12-01 61 days 1,861 sqft
    2019-01-01 65 days 1,851 sqft
    2019-02-01 52 days 1,841 sqft
    2019-03-01 46 days 1,872 sqft
    2019-04-01 43 days 1,890 sqft
    2019-05-01 44 days 1,906 sqft
    2019-06-01 47 days 1,919 sqft
    2019-07-01 50 days 1,920 sqft
    2019-08-01 50 days 1,908 sqft
    2019-09-01 51 days 1,892 sqft
    2019-10-01 52 days 1,882 sqft
    2019-11-01 55 days 1,872 sqft
    2019-12-01 60 days 1,867 sqft
    2020-01-01 65 days 1,854 sqft
    2020-02-01 47 days 1,834 sqft
    2020-03-01 43 days 1,876 sqft
    2020-04-01 46 days 1,872 sqft
    2020-05-01 54 days 1,895 sqft
    2020-06-01 47 days 1,908 sqft
    2020-07-01 42 days 1,908 sqft
    2020-08-01 33 days 1,920 sqft
    2020-09-01 30 days 1,889 sqft
    2020-10-01 31 days 1,886 sqft
    2020-11-01 37 days 1,880 sqft
    2020-12-01 42 days 1,836 sqft
    2021-01-01 43 days 1,851 sqft
    2021-02-01 28 days 1,822 sqft
    2021-03-01 22 days 1,853 sqft
    2021-04-01 17 days 1,872 sqft
    2021-05-01 16 days 1,848 sqft
    2021-06-01 18 days 1,872 sqft
    2021-07-01 23 days 1,866 sqft
    2021-08-01 27 days 1,870 sqft
    2021-09-01 30 days 1,890 sqft
    2021-10-01 29 days 1,868 sqft
    2021-11-01 33 days 1,891 sqft
    2021-12-01 40 days 1,872 sqft
    2022-01-01 37 days 1,880 sqft
    2022-02-01 30 days 1,806 sqft
    2022-03-01 30 days 1,798 sqft
    2022-04-01 30 days 1,829 sqft
    2022-05-01 26 days 1,840 sqft
    2022-06-01 29 days 1,843 sqft
    2022-07-01 32 days 1,836 sqft
    2022-08-01 39 days 1,820 sqft
    2022-09-01 45 days 1,835 sqft
    2022-10-01 48 days 1,817 sqft
    2022-11-01 50 days 1,796 sqft
    2022-12-01 59 days 1,818 sqft
    2023-01-01 65 days 1,827 sqft
    2023-02-01 52 days 1,833 sqft
    2023-03-01 50 days 1,849 sqft
    2023-04-01 48 days 1,883 sqft
    2023-05-01 38 days 1,892 sqft
    2023-06-01 38 days 1,905 sqft
    2023-07-01 39 days 1,900 sqft
    2023-08-01 39 days 1,909 sqft
    2023-09-01 41 days 1,911 sqft
    2023-10-01 44 days 1,904 sqft
    2023-11-01 46 days 1,891 sqft
    2023-12-01 56 days 1,890 sqft
    2024-01-01 65 days 1,875 sqft
    2024-02-01 54 days 1,891 sqft
    2024-03-01 45 days 1,909 sqft
    2024-04-01 44 days 1,921 sqft
    2024-05-01 40 days 1,913 sqft
    2024-06-01 44 days 1,897 sqft
    2024-07-01 44 days 1,886 sqft
    2024-08-01 50 days 1,879 sqft
    2024-09-01 48 days 1,873 sqft
    2024-10-01 50 days 1,870 sqft
    2024-11-01 57 days 1,881 sqft
    2024-12-01 63 days 1,866 sqft
    2025-01-01 64 days 1,846 sqft
    2025-02-01 48 days 1,851 sqft
    2025-03-01 46 days 1,854 sqft
    2025-04-01 48 days 1,841 sqft
    2025-05-01 47 days 1,819 sqft
    Fresno's median listing age (time on market) for 2025-05-01 was 47 days. This is 19% longer than the same period one year ago.

    Fresno's median square footage for active listings during the 2025-05-01 period was 1,819 sqft. One year prior, the average listing was 1,913 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).