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in Adelanto, CA
Adelanto sits in a part of San Bernardino County where both FHA and USDA loans are on the table. That's not always the case — USDA eligibility depends on location, and Adelanto qualifies.
Both programs offer low barriers to entry. The real question is which one fits your income, credit, and property situation.
FHA loans require 3.5% down with a 580 credit score. Drop below 580 but stay above 500, and you can still qualify — but you'll need 10% down.
FHA works on any primary residence that passes an appraisal. There are no income caps, so higher earners can still use it.
USDA loans require no down payment at all. That's the headline. But you have to meet income limits and the property must be in an eligible area.
USDA charges a guarantee fee instead of traditional mortgage insurance. The monthly cost is typically lower than FHA's monthly premium.
The biggest split is down payment. USDA is zero down. FHA is 3.5% minimum. On a $350,000 home, that's $12,250 out of pocket with FHA.
FHA has no income ceiling. USDA cuts you off based on household size and county limits. In San Bernardino County, those limits are firm.
If you have little savings and meet the income limits, USDA wins. Zero down is a real advantage when you're building up cash reserves.
If your income is too high for USDA, or you want more flexibility on property type, go FHA. It's a proven option and easier to source across lenders.
Parts of Adelanto may be USDA-eligible. Eligibility is determined by the USDA property map — always verify the specific address before assuming.
USDA's guarantee fee is typically cheaper than FHA's monthly mortgage insurance premium. Run the numbers on both before deciding.
FHA has a 203k rehab option for fixer-uppers. USDA requires the home to meet minimum property standards at closing.
Most USDA lenders want a 640 credit score to qualify. FHA allows lower scores, down to 580 for the 3.5% down option.
FHA has set loan limits by county. USDA doesn't use loan limits — it uses income limits instead to determine eligibility.