On the Santa Clarita median price of $838,000 (June 2026, per the Chicago Title Market Trend Report, pulled 2026-08-15), a 20% down payment is about $167,600, 10% is about $83,800, and an FHA minimum of 3.5% is about $29,330. These are simple percentages of the median for illustration - your actual down payment depends on the specific home, loan program, and lender, and you'll also need closing costs and reserves. Brian is a REALTOR®, not a lender - confirm real numbers with a loan officer.
Down payment at the Santa Clarita median
| Down payment | Approx. amount |
|---|---|
| 3.5% (FHA minimum) | $29,330 |
| 10% (conventional) | $83,800 |
| 20% (avoids PMI) | $167,600 |
These are arithmetic illustrations on the Santa Clarita median ($838,000 in June 2026, per the Chicago Title Market Trend Report — June 2026 full-value sales, compiled from MLS and public recorded data — pulled 2026-08-15), not a quote. Loan programs (FHA, VA, conventional, jumbo) carry different minimums, and higher-priced Santa Clarita homes may require jumbo financing with different terms.
Frequently Asked Questions
What down payment do I need in Santa Clarita?
On the Santa Clarita median price of $838,000 (June 2026, per the Chicago Title Market Trend Report, pulled 2026-08-15), a 20% down payment is about $167,600, 10% is about $83,800, and an FHA minimum of 3.5% is about $29,330. These are simple percentages of the median for illustration - your actual down payment depends on the specific home, loan program, and lender, and you'll also need closing costs and reserves. Brian is a REALTOR®, not a lender - confirm real numbers with a loan officer.
Can I buy in Santa Clarita with less than 20% down?
Often yes - conventional loans can go as low as 3-5% and FHA to 3.5% for those who qualify, with mortgage insurance. VA loans may allow 0% for eligible borrowers. Confirm with a licensed lender.
