Loading
Loading
Rio Vista sits on the Sacramento River in Solano County — a smaller market with real affordability compared to the Bay Area.
FHA loans fit this market well. Lower price points mean you can hit the 3.5% down requirement without draining your savings.
580 (3.5% down)
Min Credit Score
3.5%
Min Down Payment
43–50%
Max DTI (typical)
Primary residence only
Loan Use
Required — life of loan
Mortgage Insurance
FHA Loans in Rio Vista
You need a 580 credit score to put 3.5% down. Drop below 580 and you're looking at 10% down minimum.
Debt-to-income ratio — how much of your gross income goes to debt — must generally stay under 43%. Some lenders push to 50% with strong compensating factors.
Local decision guide
Use this guide to connect fha loans eligibility, lender expectations, and local market factors before comparing payment options in Rio Vista.
Rio Vista sits on the Sacramento River in Solano County — a smaller market with real affordability compared to the Bay Area.
FHA loans fit this market well. Lower price points mean you can hit the 3.5% down requirement without draining your savings.
You need a 580 credit score to put 3.5% down. Drop below 580 and you're looking at 10% down minimum.
Not every lender prices FHA loans the same way. Overlays — extra requirements lenders add on top of FHA minimums — vary significantly.
As a broker with access to 200+ wholesale lenders, we shop your file across multiple FHA-approved options. Retail banks show you one rate. We show you several.
Rio Vista has a mix of older homes and newer subdivisions. FHA has property condition standards — if the home needs work, it needs to pass appraisal.
We see deals fall apart when buyers fall in love with a fixer and don't know FHA won't finance it as-is. Know the condition requirements before you make an offer.
FHA charges mortgage insurance for the life of the loan if you put less than 10% down. Conventional loans drop PMI once you hit 20% equity.
If your credit is above 680 and you can do 5% down, conventional might cost you less long-term. If you're rebuilding credit, FHA is usually the right call.
Rio Vista is a Delta community with seasonal flooding considerations. FHA appraisers will flag flood zone status — budget for flood insurance if the property requires it.
Solano County has pockets where USDA loans are eligible due to rural designation. Some Rio Vista addresses qualify. That's a zero-down option worth checking before defaulting to FHA.
Solano County follows California's FHA limits set annually by HUD. Check current limits with us before assuming — they adjust each year.
Yes, but flood insurance is required for properties in designated zones. That premium affects your debt-to-income ratio, so plan for it.
It can, but older homes must pass an FHA appraisal. Peeling paint, roof issues, or broken systems can trigger required repairs before closing.
Put less than 10% down and MIP stays for the loan's life. Put 10% or more down and it drops after 11 years.
Some Rio Vista addresses qualify for USDA, which requires zero down. We check USDA eligibility on every file before recommending FHA.
FHA allows 580, but some lenders overlay at 620 or higher. We find lenders who work with your actual score — not just their preferred minimum.