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Rialto's market has shifted toward higher-priced homes, with jumbo purchases now common above $1.3M. At 5.875%, a $1.1M loan on a $1.375M purchase runs $6,507 monthly in principal and interest alone.
San Bernardino County's median household income of $82,184 means most jumbo buyers here are relocating professionals or investors. The 80% LTV scenario requires $275,000 down—a meaningful commitment that separates serious buyers from casual shoppers.
5.875%
Interest Rate
$6,507
Monthly P&I
740
Min FICO
20% ($275K)
Down Payment
6–12 months
Reserves Required
35–45 days
Closing Timeline
Jumbo Loans in Rialto
Jumbo loans in Rialto require 740+ FICO and typically 20% down minimum. At $1.375M purchase price, that's $275,000 down and a $1.1M loan. Lenders want 6–12 months of liquid reserves after closing—savings you can document, not home equity.
San Bernardino County's median income of $82,184 means a jumbo buyer here earns well above county average. Debt-to-income limits run tighter than conventional—usually 43% max.
Local decision guide
Use this guide to connect jumbo loans eligibility, lender expectations, and local market factors before comparing payment options in Rialto.
Rialto's market has shifted toward higher-priced homes, with jumbo purchases now common above $1.3M. At 5.875%, a $1.1M loan on a $1.375M purchase runs $6,507 monthly in principal and interest alone.
San Bernardino County's median household income of $82,184 means most jumbo buyers here are relocating professionals or investors. The 80% LTV scenario requires $275,000 down—a meaningful commitment that separates serious buyers from casual shoppers.
Jumbo loans in Rialto require 740+ FICO and typically 20% down minimum. At $1.375M purchase price, that's $275,000 down and a $1.1M loan. Lenders want 6–12 months of liquid reserves after closing—savings you can document, not home equity.
Jumbo lending in California is tighter than conforming. Fewer lenders compete at this level, which means less price shopping and longer underwriting.
Closing timelines run 35–45 days for jumbo, not the 21–30 days of conforming. Appraisals take longer. Underwriting scrutinizes employment, reserves, and asset sources more carefully.
Jumbo makes sense in Rialto when you're buying above $832,750 and have 20%+ down with strong reserves. Below that threshold, conventional loans cost less and close faster. The $1.375M purchase here is solidly jumbo territory.
The real advantage is certainty. At 5.875% fixed for 30 years, your payment never changes. No ARM risk, no rate shock in year six. For someone relocating to Rialto with a stable job and substantial savings, that predictability is worth the tighter...
Conventional loans max out at $832,750 in San Bernardino County. Above that, you have no choice—jumbo is the only option. You can't split a $1.375M purchase into conventional + jumbo; lenders won't allow it.
If you could buy below the conforming limit, conventional would close faster and cost less in rate. But at $1.1M loan amount, jumbo is your only path. The tradeoff is tighter underwriting and longer closing for a fixed 30-year rate you can count on.
Rialto sits at the crossroads of I-10 and I-215, making it a magnet for professionals working across the Inland Empire. That commute flexibility attracts higher-income buyers who can afford jumbo purchases.
The city has invested in infrastructure over the past five years—street improvements, water system upgrades. That kind of stability appeals to jumbo buyers who plan to stay 10+ years.
Principal and interest run $6,507 per month on a $1.1M loan at 5.875%. Add property taxes, insurance, and HOA fees—total housing payment typically runs $8,500–$9,500 depending on the property. That's the number to budget.
Yes. Jumbo lenders require 20% down minimum. On a $1.375M purchase, that's $275,000. Some lenders offer 15% down with higher rates and stricter reserves, but 20% is the standard floor.
Lenders want 6–12 months of housing expenses in liquid reserves—bank accounts, money market, not retirement funds. On a $9,000 monthly payment, that's $54,000–$108,000 sitting in savings after you close. It proves you can weather a job loss.
740 FICO minimum. Some lenders go to 720 with perfect payment history and strong reserves, but 740 is the standard. Late payments, collections, or high credit utilization will disqualify you.
Plan for 35–45 days. Appraisals take longer on jumbo properties. Underwriting is more thorough. Conventional loans close in 21–30 days, so jumbo adds two weeks of waiting.