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Rialto's $750,000 median home price sits comfortably within VA lending limits for San Bernardino County. At 5.49%, a zero-down purchase runs $4,254 monthly for principal and interest alone.
The county's median household income of $82,184 stretches to support homes in this range when you're putting zero down. VA financing removes the down-payment barrier that stops many buyers in Rialto's competitive market.
5.49%
Interest Rate
$4,254
Monthly P&I
$750,000
Loan Amount
$0
Down Payment
740
Min FICO
30 days
Lock Period
VA Loans in Rialto
VA loans in Rialto require a Certificate of Eligibility, 740+ FICO (though some lenders go lower), and a valid military service record. Zero down is the standard — you're financing the full purchase price.
At $750,000, you're well below the VA limit of $832,750 for San Bernardino County. The county's $82,184 median household income means most working households here can carry a $750K home with VA financing.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Rialto.
Rialto's $750,000 median home price sits comfortably within VA lending limits for San Bernardino County. At 5.49%, a zero-down purchase runs $4,254 monthly for principal and interest alone.
The county's median household income of $82,184 stretches to support homes in this range when you're putting zero down. VA financing removes the down-payment barrier that stops many buyers in Rialto's competitive market.
VA loans in Rialto require a Certificate of Eligibility, 740+ FICO (though some lenders go lower), and a valid military service record. Zero down is the standard — you're financing the full purchase price.
VA loans in California move through both retail banks and mortgage brokers. Brokers typically close faster — 21 to 28 days — because they shop multiple lenders for the best rate. Retail banks handle their own underwriting and often take 35+ days.
Funding-fee exemptions apply to disabled veterans rated 10% or higher by the VA, Purple Heart recipients, and surviving spouses. Without an exemption, the 2.15% fee rolls into your loan balance.
VA financing wins in Rialto when you have the military service and credit to qualify. Zero down eliminates the savings hurdle that stops many first-time buyers here.
The only real trade-off is the funding fee. On a $750,000 loan, 2.15% adds $16,125 to your balance. If you can't get a fee exemption, run the math: that extra cost over 30 years versus the savings from zero down. For most Rialto veterans, zero down wins.
Conventional loans at this price require 20% down ($150,000) to avoid PMI. FHA loans run lower rates but carry lifetime mortgage insurance if you put down less than 10%.
If you have $150,000 saved, conventional might pencil slightly lower in rate. But most Rialto veterans don't have that cash sitting idle. VA's zero-down structure lets you keep reserves for closing costs, inspections, and repairs — real money you'll need.
Rialto's location on the I-10 corridor puts you 45 minutes from downtown Los Angeles and 20 minutes from San Bernardino's job centers. For military families and veterans commuting to bases or defense contractors, that access matters.
The city's affordability relative to LA County makes Rialto attractive to service members relocating to Southern California. Schools, shopping, and freeway access are solid.
No. VA loans require zero down. You finance the full purchase price with no down payment required. The funding fee (2.15% on first-time use) replaces PMI and rolls into your loan balance.
At 5.49% APR on a $750,000 loan with zero down, principal and interest run $4,254 per month. That's based on today's rate as of April 16, 2026. Property taxes, insurance, and HOA fees are separate.
Yes. 740 is typical but not absolute. Many lenders go down to 620-680 FICO for VA loans, though you may pay a slightly higher rate. Call with your actual score and we'll shop lenders that will approve you.
The funding fee is 2.15% on first-time VA use with zero down — about $16,125 on a $750,000 loan. You can skip it only if you have a 10%+ VA disability rating, a Purple Heart, or you're a surviving spouse. Otherwise it rolls into your loan balance.
With a broker, 21 to 28 days is standard. Retail banks take 35+ days. Speed depends on your Certificate of Eligibility, appraisal, and underwriting. Most Rialto closings happen in 25 days or less.