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in Dixon, CA
Dixon sits in Solano County, close to Travis Air Force Base. That matters — a large share of local buyers qualify for VA loans.
Both FHA and VA are government-backed programs. But they serve different borrowers, and the differences are significant.
FHA loans require just 3.5% down with a 580 credit score. Drop to 500-579 and you'll need 10% down.
Every FHA loan carries mortgage insurance. You pay an upfront premium plus a monthly charge for the life of the loan.
VA loans are for veterans, active-duty service members, and eligible surviving spouses. No down payment required.
VA loans have no monthly mortgage insurance. That saves hundreds per month compared to FHA.
Local decision guide
Use this comparison to weigh FHA Loans and VA Loans through local payment fit, eligibility, documentation, and timing before choosing a path in Dixon.
Dixon sits in Solano County, close to Travis Air Force Base. That matters — a large share of local buyers qualify for VA loans.
Both FHA and VA are government-backed programs. But they serve different borrowers, and the differences are significant.
FHA loans require just 3.5% down with a 580 credit score. Drop to 500-579 and you'll need 10% down.
The biggest gap is mortgage insurance. VA has none. FHA charges it every month, often for the loan's full term.
VA rates also tend to run lower than FHA rates. Over a 30-year loan, that spread adds up to real money. Rates vary by borrower profile and market conditions.
If you served and you qualify, use your VA benefit. The monthly savings alone make it the stronger loan for most Dixon veterans.
If you don't have military service, FHA is your best low-down-payment option. It's flexible on credit and accessible to most buyers.
Yes. Dixon is in Solano County, and VA loans are available statewide with no county-level restrictions. Eligibility depends on your service history.
VA rates typically run lower than FHA rates. Rates vary by borrower profile and market conditions, so get quotes for both.
No. VA loans have no monthly mortgage insurance. You pay a one-time funding fee instead, which can be rolled into the loan.
580 gets you 3.5% down. Scores from 500-579 require 10% down. Below 500, FHA isn't an option.
VA has no loan limit for eligible borrowers with full entitlement. FHA limits are set by county and apply to all buyers.
Yes, eligible surviving spouses of veterans can use VA loan benefits. Check your Certificate of Eligibility to confirm your status.