On an illustrative Valencia purchase price of $925,000, a 20% down payment is about $185,000, 10% is about $92,500, and an FHA minimum of 3.5% is about $32,375. These are simple percentages of an illustrative price - 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 an illustrative $925,000 Valencia example price
| Down payment | Approx. amount |
|---|---|
| 3.5% (FHA minimum) | $32,375 |
| 10% (conventional) | $92,500 |
| 20% (avoids PMI) | $185,000 |
These are arithmetic illustrations on a $925,000 example price, not a quote. Valencia closed only 11 single-family sales in June 2026 — too few to publish a citywide median; ZIP 91354's median was $1,050,000 across 7 sales, per the Chicago Title Market Trend Report (June 2026 full-value sales, compiled from MLS and public recorded data), pulled 2026-08-15. Loan programs (FHA, VA, conventional, jumbo) carry different minimums, and higher-priced Valencia homes may require jumbo financing with different terms.
Frequently Asked Questions
What down payment do I need in Valencia?
On an illustrative Valencia purchase price of $925,000, a 20% down payment is about $185,000, 10% is about $92,500, and an FHA minimum of 3.5% is about $32,375. These are simple percentages of an illustrative price - 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 Valencia 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.
