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FHA Loans in San Bernardino
What's the monthly payment on a $750,000 FHA loan at 5.875%?
Principal and interest run $4,437 monthly at 5.887% APR. Add property taxes, insurance, and mortgage insurance—total housing cost typically runs $5,200 to $5,600 monthly.
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San Bernardino's craft beer scene is booming—Claremont Craft Ales, Hangar 24, and Old Stump Brewing all won regional recognition recently. That kind of local investment signals confidence in the area's future.
At 5.875% interest, a $750,000 FHA loan runs $4,437 monthly in principal and interest. Add taxes, insurance, and mortgage insurance—total housing cost typically lands $5,200 to $5,600 monthly.
5.875%
Interest Rate
$4,437
Monthly Payment (P&I)
580
Minimum FICO
3.5%
Minimum Down Payment
$690,000
2026 FHA Limit
17-21 days
Typical Close
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FHA requires a 580 FICO minimum to qualify. Most lenders prefer 640 or higher for better rates. At 740 FICO, you qualify for the best pricing and terms available.
On a $777,202 purchase, 3.5% down equals $27,202. San Bernardino County's median household income of $82,184 stretches to cover homes in this range comfortably with FHA financing.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in San Bernardino.
San Bernardino's craft beer scene is booming—Claremont Craft Ales, Hangar 24, and Old Stump Brewing all won regional recognition recently. That kind of local investment signals confidence in the area's future.
At 5.875% interest, a $750,000 FHA loan runs $4,437 monthly in principal and interest. Add taxes, insurance, and mortgage insurance—total housing cost typically lands $5,200 to $5,600 monthly.
FHA requires a 580 FICO minimum to qualify. Most lenders prefer 640 or higher for better rates. At 740 FICO, you qualify for the best pricing and terms available.
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.
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FHA loans move through underwriting in 17 to 21 days typically. Lenders verify employment, assets, and credit carefully. The process is consistent across California brokers and banks.
Mortgage insurance (MIP) is required on all FHA loans above 90% LTV. Below 10% down, MIP runs for the life of the loan. At 10% or more down, MIP cancels after 11 years.
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FHA makes sense in San Bernardino when you have limited savings but solid credit. The 3.5% down payment opens doors that conventional loans close at 5% to 10% minimum.
Above the $690,000 FHA limit, conventional or jumbo financing becomes necessary. For homes under that cap with less than 10% saved, FHA's lower down payment often beats carrying conventional PMI for years.
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Conventional loans typically require 5% to 20% down and a 620+ FICO. FHA's 3.5% minimum and 580 FICO floor open the door for buyers with less savings or shorter credit histories.
The tradeoff: FHA carries lifetime mortgage insurance below 10% down. Conventional avoids PMI at 20% down but costs more upfront. For San Bernardino buyers with limited cash, FHA's lower entry cost often wins.
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Six new coffeehouses have opened across the Inland Empire recently. That kind of retail growth signals neighborhood investment and appeals to buyers building community roots in San Bernardino.
Ontario International Airport's ONT BOLD expansion project launched environmental review this year. Infrastructure investment of that scale typically supports long-term home values for buyers in the region.
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FHA lending in California remains steady as buyers with limited savings seek entry into homeownership. San Bernardino County's median household income of $82,184 aligns well with FHA's affordability focus.
Lenders compete actively on FHA rates and closing costs. Shop multiple brokers to compare APR, discount points, and total fees. A 0.125% rate difference saves thousands over 30 years.
FAQ
Principal and interest run $4,437 monthly at 5.887% APR. Add property taxes, insurance, and mortgage insurance—total housing cost typically runs $5,200 to $5,600 monthly.
No. FHA requires only 3.5% down minimum with 580+ FICO. On a $777,202 purchase, that's $27,202 down. Conventional loans typically need 5% to 20% down.
FHA requires a 580 FICO minimum to qualify. Most lenders prefer 640 or higher for better rates. At 740 FICO, you qualify for the best pricing and terms.
Yes—if you put down 10% or more, MIP cancels after 11 years. Below 10% down, MIP runs for the life of the loan. Refinancing to conventional is the standard path to remove it.
No. The 2026 FHA limit in San Bernardino County is $690,000. Above that, you'd need conventional or jumbo financing. Most San Bernardino homes stay under this cap.
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.