Question 1

Can I use a USDA loan anywhere in Fontana?

Accepted Answer

No. Most of Fontana falls outside USDA-eligible zones. Check the USDA property eligibility map before making any assumptions.

Question 2

Which loan has lower monthly costs?

Accepted Answer

USDA often wins on monthly cost. Its guarantee fee typically runs lower than FHA's mortgage insurance premium.

Question 3

Does FHA have income limits in San Bernardino County?

Accepted Answer

No. FHA has no income ceiling. Any borrower who meets credit and debt requirements can apply.

Question 4

What credit score do I need for FHA in Fontana?

Accepted Answer

You need a 580 to put 3.5% down. Scores between 500 and 579 require 10% down.

Question 5

Are USDA loan limits changing in California?

Accepted Answer

Yes. HousingWire reported USDA Section 502 Direct caps dropped to 60% of local FHA limits. That restricts how much some buyers can borrow through USDA.

Question 6

Which loan closes faster — FHA or USDA?

Accepted Answer

FHA typically closes faster. USDA loans require an additional rural development approval step that can add time to the process.

FHA vs USDA Loans in Fontana, CA