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Jurupa Valley sits in western Riverside County, where buyers face real competition but prices stay more accessible than coastal markets.
FHA loans fit this market well. They let buyers move with 3.5% down instead of waiting years to save 20%.
580 (3.5% down)
Min Credit Score
3.5%
Min Down Payment
1.75% of loan
Upfront MIP
~0.55% / year
Annual MIP
1-4 units
Property Types
FHA Loans in Jurupa Valley
You need a 580 credit score to qualify for 3.5% down. Drop below 580 and lenders require 10% down instead.
FHA also checks your debt-to-income ratio — DTI means how much of your monthly income goes to debt payments. Most lenders cap this at 43-50%.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in Jurupa Valley.
Jurupa Valley sits in western Riverside County, where buyers face real competition but prices stay more accessible than coastal markets.
FHA loans fit this market well. They let buyers move with 3.5% down instead of waiting years to save 20%.
You need a 580 credit score to qualify for 3.5% down. Drop below 580 and lenders require 10% down instead.
Not every lender prices FHA loans the same. Mortgage insurance premiums are fixed by FHA, but interest rates vary across lenders.
We shop FHA rates across 200+ wholesale lenders. That spread can mean hundreds saved every month. Rates vary by borrower profile and market conditions.
FHA's biggest hidden cost is mortgage insurance. You pay an upfront premium at closing plus a monthly charge — both are non-negotiable.
Once you hit 20% equity, you can't cancel FHA MIP automatically. You'd need to refinance into a conventional loan to drop it.
Conventional loans let you cancel PMI — private mortgage insurance — once you reach 20% equity. FHA doesn't give you that option.
If you qualify for a VA loan, use it. No down payment, no monthly mortgage insurance. FHA can't compete with that on cost.
Jurupa Valley is an incorporated city within Riverside County. FHA loan limits apply at the county level — Riverside County has its own limit set annually.
As of April 2026, confirm current Riverside County FHA limits before writing an offer. Pricing in this area can push buyers close to those ceilings.
FHA sets limits by county each year. Check the current Riverside County limit before you shop — it directly caps what you can borrow.
Yes. FHA covers 1-4 unit properties. You must live in one unit as your primary residence.
Upfront MIP is 1.75% of the loan. Monthly MIP runs around 0.55% annually for most 30-year loans.
Not automatically. You'd need to refinance into a conventional loan once you have enough equity to drop it.
Yes, but lenders require two years of tax returns. FHA is flexible on credit — not on income documentation.
Typically 21-30 days. FHA appraisals have stricter property standards, which can add time if repairs are needed.