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Upland sits in San Bernardino County where the median household income is $82,184. FHA and USDA both serve buyers with limited savings, but they work very differently.
FHA requires a down payment as low as 3.5%. USDA offers zero down for eligible rural properties. Both are 30-year fixed programs.
FHA at 5.875% works for buyers with modest savings and credit scores as low as 580. The 3.5% down payment means you keep more cash after closing.
Mortgage insurance (MIP) runs for the life of the loan if your down payment is under 10%. With 10% or more down, MIP cancels after 11 years.
USDA loans require zero down for eligible rural properties in USDA-designated areas. Income limits apply and are set per household size.
USDA has no loan-amount ceiling, so you can borrow more than the FHA limit. The upfront fee is 1% of the loan amount.
Local decision guide
Use this comparison to weigh FHA Loans and USDA Loans through local payment fit, eligibility, documentation, and timing before choosing a path in Upland.
Upland sits in San Bernardino County where the median household income is $82,184. FHA and USDA both serve buyers with limited savings, but they work very differently.
FHA requires a down payment as low as 3.5%. USDA offers zero down for eligible rural properties. Both are 30-year fixed programs.
FHA at 5.875% works for buyers with modest savings and credit scores as low as 580. The 3.5% down payment means you keep more cash after closing.
FHA requires a down payment; USDA does not. FHA works anywhere in Upland. USDA is limited to USDA-eligible rural areas.
FHA's mortgage insurance (MIP) is permanent if you put down less than 10%. USDA's annual fee is smaller but lasts the life of the loan.
FHA is right for buyers with savings who live in any part of Upland. You have steady income near or above the county median of $82,184.
USDA fits rural Upland buyers with zero savings and household income under USDA's cap. Your property must be in a USDA-eligible area.
Yes. FHA allows 3.5% down with a 580+ FICO score. At 3.5% down, mortgage insurance runs for the life of the loan.
No. USDA is limited to USDA-eligible rural and semi-rural areas. Check your address with USDA before applying.
On a $750,000 loan at 5.875% with 3.5% down, the P&I payment is $4,437 (740 FICO, 96.5% LTV, priced 2026-06-14).
No. FHA accepts 580+ FICO. USDA typically requires 620+ FICO but may go lower with manual underwriting.
FHA charges upfront MIP (1.75% of loan) plus annual MIP. USDA charges upfront fee (1%) plus annual fee (0.35%).
in Upland, CA