FHA Approved Condo List in San Diego

FHA approved condos

The FHA loan is the most popular loan program for first time home buyers. Borrowers can take advantage of down payments at little at 3.5% on a 30 year fixed rate program. FHA loans are popular for many reason, but some things people like the most is the flexibility of no pre-payment penalty, easy to utilize gift funds, multifamily properties are ok! even funding for rehabs on owner occupied fixer uppers (FHA 203K).

If you are looking to use an FHA loan on a single family detached home, you're in luck! They do not need to be approved by FHA like condos and townhomes do. Please click here to search for detached single family homes. If you are looking to use an FHA loan for a condominium or townhome we have made it easy for you. Click on the links below to view all the FHA approved condos and town homes by region across the county.

Interactive FHA Approved Condo Map Search

Search FHA Condos and Townhomes by Area

ALL SAN DIEGO COUNTY FHA APPROVED CONDOS

EAST COUNTY FHA CONDOS : Alpine, Campo, Del Cerro, El Cajon, Jamul, Julian, La Mesa, Lakeside, Rancho San Diego, San Carlos, Santee, Spring Valley

NORTH COUNTY COASTAL FHA CONDOS: Cardiff by the Sea, Carlsbad, Carmel Valley, Del Mar, Encinitas, Oceanside, Rancho Santa Fe, Solana Beach

NORTH COUNTY INLAND FHA CONDOS : Bonsall, Escondidio, Fallbrook, Mira Mesa, Pala, Pauma Valley, Poway, Ramona, Rancho Bernardo, 4S Ranch, Rancho Penasquitos, San Marcos, Scripps Ranch, Tierrasanta, Valley Center, Vista, Warner Springs

SAN DIEGO CENTRAL FHA CONDOS: Talmage/San Diego Central, North Park, Mission Hills, East San Diego, Golden Hill, Linda Vista, Encanto, Lemon Grove, Logan Heights, Normal Heights, Paradise Hills.

SAN DIEGO COASTAL FHA CONDOS: Clairemont/Bay Park, Coronado, Downtown, La Jolla, Mission Valley, Ocean Beach, Old Town, Pacific Beach, Mission Beach, Point Loma, Sorrento Valley, University City/UTC.

SOUTH BAY FHA CONDOS: Bonita, Chula Vista, Imperial Beach, National City, Otay Mesa, San Ysidro

Newest FHA Approved Listings in San Diego

$1,424,900

4 Beds ⋅ 3 Baths ⋅ 260018299 MLS ⋅ COMING SOON Status

Breezes through the trees, pool days, and the Rancho Penasquitos life you've been looking for! Some homes just back up to a fence. This one backs up to a eucalyptus grove that turns the private backyard into its own retreat. The pool and spa enjoy the privacy of mature hedges and cypress, with a deck off the primary suite overlooking it all. Morning coffee up there comes with serene and swaying trees instead of a neighbor's window. Out front, enjoy long sightlines across the rolling hills of this picturesque community. Tucked into the interior of "PQ," the street stays peaceful, but you're minutes from shopping, freeway access, and Twin Trails Park's trails and open lawns. Inside, the home is genuinely turnkey, clean and well cared for, with room to update at your own pace and build equity as you go. A large two-car garage comes EV-ready, and the solar is fully owned with a transferable warranty. This is PQ living at its best: excellent schools, peaceful streets, a straight shot to the coast, and convenient access to everything San Diego offers. Come see it for yourself. Rancho Peñasquitos (PQ) is a canyon-adjacent San Diego community built around a network of preserved open space, including the Peñasquitos Canyon Preserve trail system. This home sits on the interior of the neighborhood, backing directly to a mature eucalyptus canyon. Twin Trails Park and its trailheads are minutes away, along with local shopping and quick access to both I-15 and CA-56. The area is zoned to Poway Unified School District. The solar system is fully owned, with a transferrable warranty. Roofing was redone in two phases in 2018 and 2023. Plumbing has been upgraded. The garage includes a 220V outlet suitable for EV charging. The kitchen features a 3-rack, auto-sensing dishwasher installed in 2024 and an upgraded multi-stage garbage disposal. The primary suite includes dual showerheads. The dining area is pre-plumbed for a wet bar. The home offers 4 bedrooms and 2.5 bathrooms across 1,978 square feet. It is turnkey and well maintained, with some original finishes offering a buyer room to update at their own pace and build equity along the way. The private pool and spa are set against the canyon, framed by mature hedges and cypress for privacy.

13310 Sparren Ave, Rancho Penasquitos

$1,980,000

3 Beds ⋅ 2 Baths ⋅ 260018298 MLS ⋅ ACTIVE Status

LOT SIZE IS 19400 sq. ft. or .45 acres This stunning Bay View Home, a mid-century classic single-story property, is now available for sale in the pristine Fleetridge neighborhood of Point Loma. This 3BD/2 BA home boasts approximately 1634 sq. ft. of living space and offers the opportunity for those with a vision to enhance its classic lines and layout for a lifetime of enjoyment. Enjoy breathtaking views of the Bay and walk or bike to the abundant entertainment, food and shopping options that Point Loma, Liberty Station and Shelter Island have to offer. This fabulous property is located within America's Finest City and just minutes away from the Pacific Ocean and Ocean Beach.. Virtual staging.

3577 Addison St, Point Loma (Pt Loma)

$1,100,000

3 Beds ⋅ 3 Baths ⋅ NDP2607057 MLS ⋅ COMING SOON Status

Need a workshop, auto storage, or the ultimate RV garage? This gated property is designed for hobbyists, collectors, business owners, or anyone needing exceptional space to work, store, play, and live. Situated on more than 3 fully fenced acres with panoramic mountain views, this upgraded single-story triple-wide manufactured home offers 3 bedrooms, 2 bathrooms and loads of versatility. A jacaranda-lined driveway leads through the gated entrance to abundant parking and a private setting. Inside, the open floor plan is filled with natural light and features vaulted ceilings, newer carpet, and oversized windows showcasing the views. The remodeled kitchen offers LVP flooring, granite countertops, upgraded cabinetry with pull-out shelving, stainless steel appliances, bar seating, and a pantry. The laundry/mudroom includes a washer, dryer, utility sink, and space for a second refrigerator. The primary suite features a large closet and remodeled bath with dual vanities, soaking tub, and glass-enclosed shower. Outside, enjoy a covered patio, artificial turf, spa hookups, upgraded HVAC, OWNED SOLAR, and two Tesla Powerwall batteries. The 7 car garage, built in 2006, includes a half bath, 200-amp electrical service, ceiling fans, fire sprinklers, and a covered patio. Two additional non-conforming outbuildings were added in 2024, including a double wall insulated 50' x 60' garage on an 8-inch reinforced concrete slab with double-matted rebar, designed to support the weight of a semi-truck. A 14' x 14' roll-up door provides access for approximately 18-20 vehicles, boats, RVs, heavy eq Need a workshop, auto storage, or the ultimate RV garage? This gated property is designed for hobbyists, collectors, business owners, or anyone needing exceptional space to work, store, play, and live. Situated on more than 3 fully fenced acres with panoramic mountain views, this upgraded single-story triple-wide manufactured home offers 3 bedrooms, 2 bathrooms and loads of versatility. A jacaranda-lined driveway leads through the gated entrance to abundant parking and a private setting. Inside, the open floor plan is filled with natural light and features vaulted ceilings, newer carpet, and oversized windows showcasing the views. The remodeled kitchen offers LVP flooring, granite countertops, upgraded cabinetry with pull-out shelving, stainless steel appliances, bar seating, and a pantry. The laundry/mudroom includes a washer, dryer, utility sink, and space for a second refrigerator. The primary suite features a large closet and remodeled bath with dual vanities, soaking tub, and glass-enclosed shower. Outside, enjoy a covered patio, artificial turf, spa hookups, upgraded HVAC, OWNED SOLAR, and two Tesla Powerwall batteries. The 7 car garage, built in 2006, includes a half bath, 200-amp electrical service, ceiling fans, fire sprinklers, and a covered patio. Two additional non-conforming outbuildings were added in 2024, including a double wall insulated 50' x 60' garage on an 8-inch reinforced concrete slab with double-matted rebar, designed to support the weight of a semi-truck. A 14' x 14' roll-up door provides access for approximately 18-20 vehicles, boats, RVs, heavy equipment, or a semi. The third detached garage with a 10' x 12' roll-up door offers additional RV or vehicle storage. Expansive driveways provide even more parking. Serviced by city water, propane, septic, and owned solar with battery backup, this rare property offers outstanding privacy, infrastructure, and flexibility behind secure gates.

2051 Rainbow Glen Rd, Fallbrook

$1,495,000

4 Beds ⋅ 4 Baths ⋅ 260018295 MLS ⋅ ACTIVE Status

Nestled on approximately 1.3 acres in the rolling hills of West Fallbrook, this custom single-story home offers breathtaking panoramic views, privacy, and exceptional indoor-outdoor living. Thoughtfully designed with 4 bedrooms and 3.5 bathrooms, with an office, the open-concept floor plan is filled with natural light and showcases two fireplaces, an inviting atrium, and spacious living areas ideal for everyday living and entertaining. The gourmet chef’s kitchen features quartz countertops, a massive center island, abundant cabinetry, and generous prep space. The expansive primary suite serves as a private retreat with dual walk-in closets and a spacious en-suite bath. Step outside to the large view deck and take in the stunning surrounding hills and sunsets. Additional highlights include a large dedicated laundry room, owned solar, an owned propane tank, and expansive grounds with endless possibilities. Conveniently located just minutes from downtown Fallbrook, local wineries, shopping, dining, and easy access to I-15, this exceptional custom home offers the perfect blend of comfort, style, and peaceful country living. Additional highlights include a large dedicated laundry room, owned solar, an owned propane tank, and expansive grounds with endless possibilities. Conveniently located just minutes from downtown Fallbrook, local wineries, shopping, dining, and easy access to I-15, this exceptional custom home offers the perfect blend of comfort, style, and peaceful country living.

3006 Skycrest Dr, Fallbrook

$1,050,000

4 Beds ⋅ 3 Baths ⋅ PTP2605640 MLS ⋅ COMING SOON Status

Perched on a quiet hillside in central Escondido, this fully remodeled home delivers the rare combination of move-in-ready polish and everyday functionality. Step inside to an open-concept living, dining, and kitchen area designed for effortless flow, all framed by sweeping 180-degree north-northwest views stretching across the city skyline and surrounding mountains. The main level offers true single-story living with 3 bedrooms and 2 bathrooms, including a primary suite that wakes up to the same postcard views found throughout the home. No stairs, no compromises, just direct garage access and one-level ease for daily life. Downstairs is where this property truly sets itself apart: a fully self-contained ADU with its own private entrance, complete kitchen, full bathroom, bedroom, and a spacious second living area, ideal for rental income, multigenerational living, extended guests, or a private home office setup. Outdoor living is just as impressive, with a covered deck and a dedicated view deck, perfect for relaxing or entertaining against a backdrop of twinkling city lights at night. This home is truly turnkey, with a brand-new roof (June 2025), a freshly rebuilt deck (July 2025), and a comprehensive interior remodel throughout (July 2026) that includes an all-new 3-zone air conditioning system with new ducting, a brand-new kitchen with new appliances, fully remodeled bathrooms, fresh interior and exterior paint, and a recently jetted sewer line. There's also a huge storage space underneath the home, offering the potential for additional square footage to be added in the f Perched on a quiet hillside in central Escondido, this fully remodeled home delivers the rare combination of move-in-ready polish and everyday functionality. Step inside to an open-concept living, dining, and kitchen area designed for effortless flow, all framed by sweeping 180-degree north-northwest views stretching across the city skyline and surrounding mountains. The main level offers true single-story living with 3 bedrooms and 2 bathrooms, including a primary suite that wakes up to the same postcard views found throughout the home. No stairs, no compromises, just direct garage access and one-level ease for daily life. Downstairs is where this property truly sets itself apart: a fully self-contained ADU with its own private entrance, complete kitchen, full bathroom, bedroom, and a spacious second living area, ideal for rental income, multigenerational living, extended guests, or a private home office setup. Outdoor living is just as impressive, with a covered deck and a dedicated view deck, perfect for relaxing or entertaining against a backdrop of twinkling city lights at night. This home is truly turnkey, with a brand-new roof (June 2025), a freshly rebuilt deck (July 2025), and a comprehensive interior remodel throughout (July 2026) that includes an all-new 3-zone air conditioning system with new ducting, a brand-new kitchen with new appliances, fully remodeled bathrooms, fresh interior and exterior paint, and a recently jetted sewer line. There's also a huge storage space underneath the home, offering the potential for additional square footage to be added in the future. All just blocks from Grand Avenue's restaurants, breweries, cafes, and entertainment in the heart of downtown Escondido.

1024 Circle Dr, Escondido

Start Your Search

This information is deemed reliable but not guaranteed. You should rely on this information only to decide whether or not to further investigate a particular property. BEFORE MAKING ANY OTHER DECISION, YOU SHOULD PERSONALLY INVESTIGATE THE FACTS (e.g. square footage and lot size) with the assistance of an appropriate professional. You may use this information only to identify properties you may be interested in investigating further. All uses except for personal, non-commercial use in accordance with the foregoing purpose are prohibited. Redistribution or copying of this information, any photographs or video tours is strictly prohibited. This information is derived from the Internet Data Exchange (IDX) service provided by San Diego MLS®. Displayed property listings may be held by a brokerage firm other than the broker and/or agent responsible for this display. The information and any photographs and video tours and the compilation from which they are derived is protected by copyright. Compilation © 2026 San Diego MLS®,