Question 1

What is the 2026 conforming loan limit in San Bernardino County?

Accepted Answer

The 2026 conforming limit is $832,750. Loans above this amount require jumbo financing. Jumbo loans typically need 20% down and stronger credit.

Question 2

Is San Bernardino County an FHA high-cost area?

Accepted Answer

Yes. San Bernardino County is designated a high-cost area for FHA loans. The 2026 FHA limit here is $690,000. This affects MIP rates and loan terms.

Question 3

What's the FHA loan limit in Adelanto?

Accepted Answer

The 2026 FHA limit for San Bernardino County is $690,000. FHA requires a minimum 3.5% down payment with a 580+ FICO score. MIP runs for the life of the loan if down is under 10%.

Question 4

Can I get a VA loan with zero down in Adelanto?

Accepted Answer

Yes. VA loans allow zero down for eligible veterans and active duty. No PMI applies. A funding fee of 2.15% at zero down rolls into the loan amount.

Question 5

How much down payment do I need to avoid PMI on a conventional loan?

Accepted Answer

20% down eliminates PMI on conventional loans. Below 20% down, PMI applies until you hit 78% LTV. At 80% LTV, you can request PMI cancellation.

Question 6

What credit score do I need to qualify for an FHA loan?

Accepted Answer

FHA requires a minimum 580 FICO score for a 3.5% down loan. Some lenders go lower with compensating factors. Higher scores get better rates and terms.

Question 7

What's the VA funding fee for a first-time VA buyer?

Accepted Answer

The funding fee is 2.15% of the loan amount at zero down. It rolls into your loan, so no cash is due upfront. Disabled veterans with a 10%+ rating are exempt.

Question 8

Does Ontario International Airport's expansion affect Adelanto home values?

Accepted Answer

Ontario International Airport is undergoing the ONT BOLD expansion project. This regional infrastructure development may influence long-term property values and demand in nearby Adelanto.

Question 9

What income do I need to qualify for a mortgage in Adelanto?

Accepted Answer

San Bernardino County's median household income is $82,184. Lenders typically want your debt-to-income ratio below 43%. Your actual income requirement depends on the loan amount and down payment.

Question 10

Can I use a USDA loan in Adelanto?

Accepted Answer

USDA loans are available in eligible rural areas of San Bernardino County. Income limits are set per household size and subject to USDA's published cap for this county. Zero down is allowed if you qualify.

Question 11

What's the difference between FHA and VA loans in this county?

Accepted Answer

FHA requires 3.5% down minimum; VA allows zero down. FHA MIP runs for life if down is under 10%. VA has no PMI but charges a funding fee.

Question 12

Do I need to be a first-time buyer to get an FHA loan?

Accepted Answer

No. FHA loans are available to any borrower who meets the credit and income requirements. First-time status doesn't matter. FHA is popular for repeat buyers too.

Question 13

How long does it take to close a mortgage in Adelanto?

Accepted Answer

Typical closing takes 30 to 45 days from application to funding. FHA and VA loans may take slightly longer due to appraisal and underwriting steps. Expedited timelines are possible with complete documentation.

Question 14

What are typical closing costs in San Bernardino County?

Accepted Answer

Closing costs usually run 2% to 5% of the loan amount. Lender fees, appraisal, title, and escrow make up the bulk. Some costs can be negotiated or rolled into the rate.

Question 15

Can I get a jumbo loan in Adelanto?

Accepted Answer

Yes. Jumbo loans are available for amounts above $832,750. Jumbo typically requires 20% down, 700+ FICO, and six months of reserves. Rates run 0.125% to 0.5% above conforming.

Adelanto mortgage questions answered