Loading
Loading
Rialto's market sits in San Bernardino County where median household income of $82,184 stretches to cover homes in the $750K–$800K range. At 5.49%, a $750,000 FHA loan runs $4,254 monthly for principal and interest alone.
FHA's appeal in Rialto is the low down-payment threshold. You don't need 20% to buy here. With 3.5% down and a 740 FICO, you qualify for a loan that conventional lenders would require 10–15% down to match. That's real money saved upfront.
5.49%
Interest Rate
$4,254
Monthly P&I
580
Min FICO
3.5% minimum
Down Payment
$750,000
Loan Amount
30–45 days
Close Timeline
FHA Loans in Rialto
FHA requires a 580 FICO minimum, though lenders often prefer 620+. Down payments start at 3.5% and go up. Your debt-to-income ratio must sit below 50% — that's your total monthly debt divided by gross income.
The real cost is mortgage insurance. FHA charges an upfront premium of 1.75% rolled into the loan, plus an annual fee (0.55% on loans above 95% LTV). At 96.5% LTV, that insurance never cancels unless you refinance.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in Rialto.
Rialto's market sits in San Bernardino County where median household income of $82,184 stretches to cover homes in the $750K–$800K range. At 5.49%, a $750,000 FHA loan runs $4,254 monthly for principal and interest alone.
FHA's appeal in Rialto is the low down-payment threshold. You don't need 20% to buy here. With 3.5% down and a 740 FICO, you qualify for a loan that conventional lenders would require 10–15% down to match. That's real money saved upfront.
FHA requires a 580 FICO minimum, though lenders often prefer 620+. Down payments start at 3.5% and go up. Your debt-to-income ratio must sit below 50% — that's your total monthly debt divided by gross income.
California FHA lending splits between retail banks, credit unions, and mortgage brokers. Retail lenders (Wells Fargo, Chase, Bank of America) move slower but offer lower rates on volume.
FHA guidelines are federal, but lenders layer their own overlays. Some require 640+ FICO where FHA allows 580. Others cap LTV at 95% when FHA goes to 96.5%. Shopping rates across three lenders usually saves 0.25–0.5% in rate or points.
FHA makes sense in Rialto when you have solid credit (740+) but limited cash. The 3.5% down is real savings — on a $777K purchase, that's $27K instead of $155K for 20%. At 5.49%, the rate is competitive. The insurance stings, but it's the cost of entry.
FHA stops making sense above $690,000 in San Bernardino County — that's the FHA limit. Above that, conventional or jumbo loans take over.
Conventional loans at this price point typically require 10–15% down with a 740 FICO. That's $77K–$116K upfront instead of $27K. Conventional has no mortgage insurance if you put 20% down, but getting there costs more cash.
The real tradeoff: FHA wins on cash-to-close. Conventional wins on long-term cost if you can afford 20% down. In Rialto, where median income is $82K, most buyers don't have $155K sitting around. FHA's 3.5% down is the realistic path.
Rialto sits in the Inland Empire, where industrial and logistics jobs anchor the local economy. The county's population of 2.19 million makes San Bernardino one of California's largest markets.
Schools matter here. Rialto Unified operates 24 schools serving the city. If you have kids, check the district's latest API scores and school-specific ratings before committing.
Principal and interest run $4,254 monthly. Add property taxes, insurance, and HOA if applicable. The full scenario: $750K loan, $777K purchase, $27K down (3.5%), 740 FICO, 96.5% LTV, 30-day lock as of April 17, 2026.
No. FHA requires 3.5% minimum with 580+ FICO. Conventional lenders typically want 10–15% down at your credit score. FHA is the path to lower down payment here.
Not at 96.5% LTV. FHA insurance runs for the life of the loan unless you refinance into a conventional loan later. That's the tradeoff for 3.5% down — insurance cost instead of higher upfront cash.
Yes, if your debt-to-income ratio stays below 50%. At $82K annually, you can carry roughly $3,425 in total monthly debt. A $750K FHA loan at $4,254 P&I leaves room if you have minimal other debt.
Brokers typically close FHA loans in 30–45 days. Retail banks run 45–60 days. The timeline depends on appraisal turnaround and your document readiness, not the city.