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Victorville sits in San Bernardino County's High Desert region, where USDA-eligible properties offer zero-down entry for buyers who meet income limits. At today's 6.125% rate, a $200,000 purchase runs $1,215 monthly for principal and interest alone.
The county's median household income of $82,184 stretches further here than in coastal California. USDA financing removes the down payment barrier entirely, making homeownership accessible for families who've saved for closing costs but not a 20% down payment.
6.125%
Interest Rate
$1,215
Monthly P&I
740
Min FICO
$0
Down Payment
$200,000
Loan Amount
30 days
Lock Period
USDA Loans in Victorville
USDA loans require a 740 FICO minimum and zero down payment. Your income can't exceed 115% of San Bernardino County's area median — roughly $94,512 for a household of four. Properties must sit in USDA-eligible rural zones; Victorville qualifies.
The county's $82,184 median household income means most working families fit comfortably within USDA limits. Debt-to-income caps run 41-50%, so a $200,000 loan works for borrowers earning $48,000-$60,000 annually with minimal other debt.
Local decision guide
Use this guide to connect usda loans eligibility, lender expectations, and local market factors before comparing payment options in Victorville.
Victorville sits in San Bernardino County's High Desert region, where USDA-eligible properties offer zero-down entry for buyers who meet income limits. At today's 6.125% rate, a $200,000 purchase runs $1,215 monthly for principal and interest alone.
The county's median household income of $82,184 stretches further here than in coastal California. USDA financing removes the down payment barrier entirely, making homeownership accessible for families who've saved for closing costs but not a 20% down payment.
USDA loans require a 740 FICO minimum and zero down payment. Your income can't exceed 115% of San Bernardino County's area median — roughly $94,512 for a household of four. Properties must sit in USDA-eligible rural zones; Victorville qualifies.
USDA loans are portfolio products — lenders hold them or sell to USDA-approved secondary markets, not Fannie Mae. Fewer lenders offer USDA than conventional or FHA, and underwriting takes 45-60 days because USDA reviews every file.
Retail banks and mortgage brokers both originate USDA loans, but brokers often access more lenders. Rates are competitive with FHA at similar credit scores, but USDA skips mortgage insurance entirely — a structural advantage over FHA's lifetime MIP.
USDA makes sense in Victorville for buyers earning $50,000-$90,000 who have solid credit but no down payment saved. The zero-down structure and no-PMI pricing beat FHA's lifetime insurance cost over 15+ years.
USDA doesn't work if your income exceeds $94,512 (for a family of four) or your property falls outside USDA-eligible zones. Verify property eligibility before applying — rural designation is strict, and some Victorville neighborhoods don't qualify.
FHA loans in Victorville run a similar rate but carry mortgage insurance for the life of the loan if you put down less than 10%. USDA has no insurance at all — your monthly payment stays lower forever.
Conventional loans require 5-20% down and skip insurance only at 20%. For a $200,000 purchase, USDA's zero-down structure saves $10,000-$40,000 upfront compared to conventional, with no insurance penalty.
Victorville's High Desert location means lower home prices than the Inland Empire's western edge. A $200,000 single-family home here is realistic; the same budget buys a condo or townhome closer to San Bernardino or Riverside.
The area's affordability combined with USDA's zero-down structure creates real opportunity for first-time buyers. Schools, commute times, and property condition vary widely — work with a local agent to verify USDA eligibility before you fall in love with a...
Yes — zero down is the defining feature of USDA loans. You can put money down if you want, but it's not required. The trade-off is strict income limits and rural property eligibility.
At 6.125% interest on a $200,000 loan, principal and interest run $1,215 monthly. Add property taxes, insurance, and a 0.35% annual USDA fee ($58/month on this loan). Total housing payment typically runs $1,500-$1,700.
Not all Victorville properties qualify. USDA requires rural designation, which excludes some neighborhoods. Get a property address verified by USDA before making an offer — eligibility is a hard stop.
USDA has no mortgage insurance; FHA's insurance runs for life if you put down under 10%. Both require 740+ FICO and similar rates. USDA's income cap is the catch — FHA has none.
Your household income can't exceed 115% of the county's area median — roughly $94,512 for four people. USDA uses strict income limits; you can't exceed them even with perfect credit.