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Beaumont sits in Riverside County, where the median household income of $89,672 supports homes in the $700,000 range. The Stagecoach Festival and Coachella Valley events draw regional attention and economic activity.
At 5.75% interest, a $750,000 VA loan carries a $4,377 monthly payment for principal and interest. Zero down means the full purchase price rolls into your loan, with the funding fee added on top.
5.75%
Interest Rate
$4,377
Monthly P&I Payment
740
Minimum FICO
$0 (zero down)
Down Payment Required
2.15% of loan amount
Funding Fee (First-Time)
30 days
Rate Lock Period
VA Loans in Beaumont
VA loans require a Certificate of Eligibility and a 740 FICO minimum at most lenders. You need active duty, veteran, or surviving-spouse status with no down payment required.
Riverside County's median household income of $89,672 means a $750,000 home is achievable for qualified borrowers. Debt-to-income ratios typically cap at 41 percent, though some lenders go higher with strong reserves.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Beaumont.
Beaumont sits in Riverside County, where the median household income of $89,672 supports homes in the $700,000 range. The Stagecoach Festival and Coachella Valley events draw regional attention and economic activity.
At 5.75% interest, a $750,000 VA loan carries a $4,377 monthly payment for principal and interest. Zero down means the full purchase price rolls into your loan, with the funding fee added on top.
VA loans require a Certificate of Eligibility and a 740 FICO minimum at most lenders. You need active duty, veteran, or surviving-spouse status with no down payment required.
VA loans in California are offered by banks, credit unions, and mortgage brokers. The VA guaranty replaces PMI, so lenders compete on rate and closing costs rather than insurance premiums.
Most lenders close VA loans in 30 to 45 days. Appraisals and title work move at standard pace, keeping timelines predictable compared to conventional loans.
VA loans make sense in Beaumont when you're buying at or below the $832,750 limit and have stable income. The zero-down feature saves substantial cash at a $750,000 purchase for reserves and repairs.
Above $832,750, VA jumbo rates climb and require 10 percent down. For Beaumont buyers staying under the limit, VA beats conventional on down-payment flexibility.
Conventional loans at this price require 10 to 20 percent down and carry PMI until you hit 80 percent equity. VA's zero-down structure means you keep that cash for emergencies and repairs.
FHA loans run lower rates but tack on mortgage insurance for the life of the loan if you put less than 10 percent down. VA's funding fee is one-time and typically lower over the loan's life.
Riverside County schools earned high honors recognition in 2026, with Temecula Valley USD grads standing out. Strong school performance supports long-term home values for families buying in the area.
The region hosts major events like Stagecoach and Coachella, bringing economic activity and cultural draw. That kind of regional investment supports property appreciation for buyers holding long-term.
At 5.75% interest with zero down, the principal and interest payment is $4,377 per month. Add property taxes, insurance, and HOA fees to get your total housing cost.
Yes — VA loans are available to any eligible veteran, active-duty member, or surviving spouse, regardless of prior home ownership. You'll need a Certificate of Eligibility and a 740 FICO minimum.
Yes — veterans with a 10% or higher VA disability rating are exempt from the funding fee entirely. Purple Heart recipients and surviving spouses are also exempt.
The 2026 VA limit in Beaumont is $832,750, which covers most homes in the area. Purchases above that limit require a jumbo VA loan with stricter terms.
VA's zero down saves you cash on a purchase versus FHA's 3.5% down requirement. VA's one-time funding fee is typically lower over the loan's life than FHA's lifetime mortgage insurance.