How much downpayment do I need for a Moraga home?
For Moraga median $1,850,000: 20% conventional ≈ $370,000, FHA 3.5% ≈ $64,750. Plus 1-2% closing costs. Most first-time buyers plan for $407,000 cash to close.
For Moraga first-time buyers
First-time Moraga home-buyer realtor — honest guidance, no upsell.
Roger Grubb is a 18-year Bay Area realtor (DRE #01845823, Security Pacific Real Estate) who has guided dozens of first-time buyers through Moraga. He spends as much time talking buyers OUT of bad offers as into good ones — buyer-win rate roughly 2x the regional average. Free 30-min readiness call: (510) 504-0402.
Moraga stats: median $1,850,000 · $787/sqft · 16 DOM.
Why Moraga for first-time buyers
Suburban-rural mix, larger lots, equestrian zones, and a tight-knit community. Acalanes-district schools without Lafayette's premium.
Roger\'s read: Sanders Ranch and Moraga Country Club have the consistent appreciation. Donald Drive area offers the best mid-price value within district boundaries.
Moraga first-time buyer FAQ
Do I need 20% down?
No. Conventional loans go to 3% down with PMI. FHA at 3.5%. VA at 0%. The right answer depends on your monthly cash flow tolerance and how long you plan to hold the home.
What credit score do I need to buy in Moraga?
620+ for conventional, 580+ for FHA. Under 620 is usually delay-not-deny — credit repair first.
What's the first-time buyer process in Moraga?
1) Free 30-min readiness call. 2) Lender pre-approval. 3) Neighborhood walk-throughs. 4) Pre-offer modeling. 5) Negotiation + close. Roger does all 5 personally.
Moraga first-time buyer? One call.
Roger answers his own phone. (510) 504-0402.