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Montclair sits in San Bernardino County where the median household income of $82,184 stretches to cover homes in the $200K range comfortably. A zero-down USDA purchase at that price runs $1,215 monthly for principal and interest alone.
USDA loans have opened doors for rural and suburban buyers who'd otherwise need 3–5% down. Montclair qualifies under USDA eligibility rules, making zero-down financing real for primary residence buyers here.
6.125%
Interest Rate
$1,215
Monthly P&I
$0
Down Payment
640
Min. FICO
0.35%
Annual Fee
USDA Loans in Montclair
USDA loans require a 640 FICO minimum, though 680+ gets better pricing. You need zero down and must occupy the home as your primary residence. Income limits cap out at 115% of San Bernardino County's median—roughly $94,500 for a family of four.
San Bernardino County's median household income of $82,184 means most working families here fall well within USDA limits. The county's income level buys a $200K home with room to spare for property taxes, insurance, and HOA fees if applicable.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Montclair.
Montclair sits in San Bernardino County where the median household income of $82,184 stretches to cover homes in the $200K range comfortably. A zero-down USDA purchase at that price runs $1,215 monthly for principal and interest alone.
USDA loans have opened doors for rural and suburban buyers who'd otherwise need 3–5% down. Montclair qualifies under USDA eligibility rules, making zero-down financing real for primary residence buyers here.
USDA loans require a 640 FICO minimum, though 680+ gets better pricing. You need zero down and must occupy the home as your primary residence. Income limits cap out at 115% of San Bernardino County's median—roughly $94,500 for a family of four.
USDA loans move through both retail banks and mortgage brokers in California. Brokers often close faster and offer more flexibility on overlays than big banks do. Most lenders require 30–45 days to close a USDA deal.
USDA guidelines are tighter than conventional on property condition and seller concessions. The property must be in good repair—no major deferred maintenance. Appraisals run strict because USDA backs the loan, not the borrower's down payment.
USDA makes sense in Montclair for buyers at or below $94,500 household income who can't scrape together 3% down. At $200K purchase price with zero down, you're building equity from day one with no PMI drag.
The catch: USDA's annual 0.35% fee ($700 on a $200K loan) runs forever. If you can save 3% down for a conventional loan, the math shifts—PMI cancels at 78% LTV, but USDA's fee never does.
Conventional loans at 3% down carry PMI that cancels at 78% LTV—roughly 11 years on a $200K purchase. USDA has no PMI but charges 0.35% annually forever. Over a decade, USDA saves money; beyond that, conventional wins.
FHA at 3.5% down runs lifetime mortgage insurance if you put less than 10% down. USDA's annual fee is lower than FHA's lifetime MIP, making USDA the better choice for long-term Montclair buyers who qualify on income.
Montclair's location in San Bernardino County puts you near the 10 Freeway and Ontario International Airport. The city sits in an inland valley with lower home prices than coastal California, making USDA's zero-down structure especially valuable for...
San Bernardino County's median household income of $82,184 reflects a working-class market. USDA loans were designed for exactly this demographic—people with steady jobs but limited savings for a down payment.
Yes. USDA loans require zero down on primary residences in eligible rural and suburban areas. Montclair qualifies. You'll need a 640+ FICO and household income at or below 115% of San Bernardino County's median ($94,500 for a family of four).
At 6.125% interest on a $200K loan, principal and interest run $1,215 monthly. That's based on pricing as of April 15, 2026. Add property taxes, insurance, and the annual 0.35% USDA fee ($700/year) to get your full payment.
No. USDA loans have no PMI. Instead, you pay an annual 0.35% fee on the loan balance. That fee never cancels, but it's lower than conventional PMI would be over time.
Your household income must be at or below 115% of San Bernardino County's median income. That's roughly $94,500 for a family of four. The limit adjusts by family size—call for your exact threshold.
USDA loans typically close in 30–45 days. The timeline depends on appraisal turnaround and how quickly you submit documents. USDA appraisals run strict because the loan is government-backed.