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San Jacinto's real estate market is active, with homes ranging widely in price and condition. At 5.875% interest, a $750,000 purchase carries a monthly payment of $4,437 for principal and interest alone.
The county's median household income of $89,672 supports homeownership across San Jacinto's neighborhoods. VA financing removes the down-payment barrier entirely, letting eligible veterans and active-duty service members buy without savings.
5.875%
Interest Rate
$4,437
Monthly Payment (PI)
740+
Minimum FICO
$0
Down Payment
$473
Funding Fee
30 days
Rate Lock
VA Loans in San Jacinto
VA loans require a Certificate of Eligibility and a 740+ FICO score for this rate. Zero down is the standard — you pay only the funding fee, which rolls into the loan amount.
The county's median household income of $89,672 sets the baseline for debt-to-income calculations. Lenders typically cap your total monthly debt at 41% of gross income, though some allow up to 50% 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 San Jacinto.
San Jacinto's real estate market is active, with homes ranging widely in price and condition. At 5.875% interest, a $750,000 purchase carries a monthly payment of $4,437 for principal and interest alone.
The county's median household income of $89,672 supports homeownership across San Jacinto's neighborhoods. VA financing removes the down-payment barrier entirely, letting eligible veterans and active-duty service members buy without savings.
VA loans require a Certificate of Eligibility and a 740+ FICO score for this rate. Zero down is the standard — you pay only the funding fee, which rolls into the loan amount.
VA loans in California move through both broker and retail lenders, with most using the VA's automated underwriting system. Closings typically take 30–45 days once documents are submitted.
Lenders compete on rate and closing costs, not overlays. The VA's guidelines are federal, so approval odds are consistent across lenders — the difference is speed and customer service.
VA financing makes sense in San Jacinto when you have stable income and a clean credit history. The zero-down structure is unbeatable for veterans who've saved little but have solid employment.
Above $750,000, conventional loans often beat VA on rate because the conforming limit is $832,750 in 2026. If you're buying near that ceiling, compare both — conventional may offer a lower rate despite requiring a down payment.
Conventional loans require 3% to 20% down and carry PMI below 80% LTV. VA requires zero down and skips PMI entirely, replacing it with a one-time funding fee.
The trade-off: conventional rates typically run 0.125% to 0.25% lower than VA at the same FICO and property type. For a $750,000 purchase, that's roughly $20–40 per month in savings — often not worth the down-payment cash outlay.
Stagecoach Festival brings major country music acts to Indio each April, just 30 minutes from San Jacinto. That kind of regional entertainment and cultural draw supports long-term property values and quality of life.
Riverside County schools are improving, with recent high-honors recognition for Temecula Valley USD graduates. Strong schools anchor neighborhoods and make San Jacinto attractive to military families relocating to the region.
At 5.875% interest on a $750,000 loan, principal and interest run $4,437 per month. Add property taxes, insurance, and HOA fees to get your full payment. This rate assumes 740+ FICO, primary residence, 30-day lock, as of June 15, 2026.
No. VA loans require zero down. You pay a one-time funding fee (about $473 on $750,000) that rolls into the loan. That's the only cash due at closing beyond prepaids and title costs.
Yes. Active-duty service members qualify for VA loans just like veterans. You'll need a Certificate of Eligibility and a 740+ FICO score. Your lender handles the rest.
No. The funding fee is a one-time charge (about $473 on $750,000) that never cancels. Mortgage insurance (PMI) is monthly and cancels at 78% LTV. VA funding fee is cheaper over time.
The 2026 conforming limit is $832,750. VA loans can go up to that limit without jumbo pricing. Above $832,750, you'll pay a jumbo rate and need a larger down payment.