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VA Loans in Fontana
What's the monthly payment on a $750,000 VA loan at 5.75%?
Principal and interest run $4,377 per month. Add property taxes, insurance, and HOA fees for your total housing payment. This assumes 740 FICO, 30-year fixed, 0.446 discount points ($3,341 upfront).
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Fontana sits in San Bernardino County where the median household income is $82,184. At 5.75%, principal and interest run $4,377 per month on a zero-down VA purchase.
Ontario International Airport's ONT BOLD expansion signals regional infrastructure investment. That development supports long-term home values for buyers in Fontana.
5.75%
Interest Rate
$4,377
Monthly P&I
740
Minimum FICO
$0
Down Payment
2.15%
Funding Fee (First-Time)
17-21 days
Closing Timeline
02
VA loans require a Certificate of Eligibility from the Department of Veterans Affairs. You'll need a 740 FICO minimum and active or prior military service.
The county's median household income of $82,184 supports purchases in the $750,000 range. Zero down means no cash at closing—the full purchase price rolls into your loan.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Fontana.
Fontana sits in San Bernardino County where the median household income is $82,184. At 5.75%, principal and interest run $4,377 per month on a zero-down VA purchase.
Ontario International Airport's ONT BOLD expansion signals regional infrastructure investment. That development supports long-term home values for buyers in Fontana.
VA loans require a Certificate of Eligibility from the Department of Veterans Affairs. You'll need a 740 FICO minimum and active or prior military service.
Rate check
Tell us the price range, down payment and credit range you are working with. We compare every lender we work with and show you the options side by side.
03
VA loans in California move through underwriting backed by the VA guarantee. Most lenders close VA loans in 17 to 21 days from application to clear-to-close.
The VA appraisal is stricter than conventional and takes longer to complete. Once clear-to-close arrives, lenders typically fund same-day.
04
VA loans make sense in Fontana when you're buying at or below the $832,750 VA limit for 2026. Above that, rates jump significantly and you'd need a jumbo VA.
The zero-down benefit is real—you avoid the down-payment gap conventional buyers face. The 2.15% funding fee is a one-time cost, not perpetual insurance.
05
Conventional loans at 20% down carry no PMI but typically run 0.25% to 0.5% higher in rate. That means substantial cash at closing—money most buyers don't have.
FHA loans run lower rates than VA but tack on lifetime mortgage insurance if down payment is under 10%. Over 30 years, that insurance cost exceeds the VA funding fee.
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Three Inland Empire breweries won recognition at a regional craft beer competition. That local business growth signals a market where homebuyers find community alongside solid property values.
Six new coffeehouses have opened recently across the Inland Empire. These local amenities matter when choosing where to plant roots for 30 years.
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VA lending in California is steady and competitive across retail and broker channels. Most lenders maintain consistent VA overlays and close loans within 17 to 21 days.
The VA guarantee removes much of the lender's risk, so approval timelines are faster than conventional. Appraisal turnaround is the main variable—once that clears, funding happens same-day.
FAQ
Principal and interest run $4,377 per month. Add property taxes, insurance, and HOA fees for your total housing payment. This assumes 740 FICO, 30-year fixed, 0.446 discount points ($3,341 upfront).
Yes. The VA issues this document to eligible veterans, active-duty service members, and surviving spouses. You'll submit it with your loan application.
Yes. Veterans rated 10% or higher by the VA are exempt from the funding fee entirely. Purple Heart recipients and surviving spouses are also exempt.
Yes. VA loans require zero down for eligible veterans and active-duty service members. The full purchase price rolls into the loan amount with no cash at closing.
Typical timelines run 17 to 21 days from application to clear-to-close. VA appraisals take longer than conventional but lenders fund same-day after clear-to-close.
Programs for first-time buyers that allow lower down payments and more forgiving credit and income rules.
Explore refinancing options to lower your rate, tap equity, or switch loan terms.
SRK CAPITAL in San Bernardino County
Our team of licensed mortgage brokers works San Bernardino County every week. Tell us where you are in the process and we will map out the loan, the timeline and the money you need at closing, with no obligation.
What working with us looks like
Licensed mortgage brokers
You talk with a broker, not a call center, from the first question to closing day.
17-21 day typical close
Most purchase loans close in 17-21 days once your paperwork is in.
Every county in California
We work across the state, including San Bernardino County, so local limits and rules are already familiar.
Financing solutions for rental properties, fix-and-flip projects, and real estate portfolios.
Mortgage programs with alternative income documentation for business owners and freelancers.
Federally insured or guaranteed programs (FHA, VA, USDA) that let lenders accept lower credit scores and smaller down payments.
Traditional mortgage options meeting standard lending guidelines with various term structures.
Alternative lending programs for borrowers who need flexible documentation or unique loan structures.
Side-by-side comparisons to help you choose the right mortgage program.
This page is for educational purposes only and does not constitute financial, legal, or tax advice. Mortgage rates, terms, and program availability can change and vary by borrower and property. Consult a licensed mortgage professional for guidance on your scenario.