Chula Vista Mortgage Rates 2025
Your guide to home loans in Chula Vista, California.
Chula Vista, California Mortgage Rates Today
Current Chula Vista mortgage rates range from 5.75% for VA loans to 7.00% for conventional financing. As one of San Diego's most popular and affordable large cities, the market is dominated by FHA, VA, and conventional loans. High-balance conforming limits of $1,006,250 allow most purchases to avoid jumbo financing.
Quick Answer: Chula Vista mortgage rates are vital for the thousands of families and first-time buyers in this market. With its strong military presence and affordable new construction, understanding VA and FHA loan options within San Diego County's high-balance limits is the key to buying a home here.
Median Home Price
$780,000
Avg. Days on Market
30
1-Year Appreciation
+7.1%
Most Common Loan
FHA / VA
Current Chula Vista Mortgage Rates by Loan Type
Average Chula Vista Rates This Week
| Loan Type | Rate Range | Down Payment | Best For |
|---|---|---|---|
| VA 30-Year Fixed | 5.75% - 6.40% | 0% | Veterans, active military |
| FHA 30-Year Fixed | 5.85% - 6.60% | 3.5% | First-time buyers, lower credit |
| 30-Year Fixed Conventional | 6.25% - 7.00% | 5-20% | Buyers with good credit |
| 15-Year Fixed Conventional | 5.60% - 6.35% | 10-20% | Building equity faster |
Rates updated October 26, 2025. Your actual rate depends on credit score, down payment, property type, and lender selection.
Chula Vista Mortgage Payment Examples
Median Chula Vista Home (FHA)
Home Price: $780,000
Down Payment: 3.5% ($27,300)
Loan Amount: $765,950 (incl. UFMIP)
Interest Rate: 6.35% (FHA)
Monthly Payment Breakdown:
- Principal & Interest: $4,778
- Property Taxes: $481 ($780k × 0.74%)
- Homeowners Insurance: $130
- FHA MIP: $351
- Total Monthly Payment: $5,740
Annual Income Needed: ~$195,000
Calculate your payment →VA Loan in Eastlake
Home Price: $850,000
Down Payment: 0% ($0)
Loan Amount: $869,775 (incl. funding fee)
Interest Rate: 6.15% (VA)
Total Monthly Payment: $6,050 (incl. taxes, insurance, HOA)
Income Required: ~$190,000/year (VA is flexible on DTI)
Chula Vista Home Loan Programs
1. FHA Loans in Chula Vista
FHA loans are extremely popular in Chula Vista, enabling first-time buyers and families to purchase homes with a minimal down payment and flexible credit requirements.
Key Features:
- 3.5% minimum down payment.
- San Diego County FHA limit is $1,006,250.
- Credit scores as low as 580 are often accepted.
- Ideal for buying condos, townhomes, and single-family homes.
Best For:
- First-time buyers with limited cash savings.
- Borrowers with credit scores in the 600s.
- Families who need a higher debt-to-income ratio.
2. VA Loans in Chula Vista
Proximity to Naval Base San Diego makes Chula Vista a top choice for military families. The VA loan's $0 down payment benefit is a massive advantage in this market.
Key Features:
- $0 Down Payment required.
- No monthly mortgage insurance (PMI).
- No loan limit for veterans with full entitlement.
- Lower interest rates than conventional loans.
Best For:
- Active-duty Navy personnel and veterans.
- Military families relocating to San Diego.
- Any eligible veteran looking to maximize their buying power.
Chula Vista Neighborhood Mortgage Guide
Eastlake
$750K - $1.2M
Home Type: Modern SFR, Townhomes
Schools: Excellent
Typical Loan: VA / Conventional
Buyer Profile: Families, military
Otay Ranch
$650K - $1M
Home Type: Newer SFR & Condos
Schools: Very Good
Typical Loan: FHA / VA
Buyer Profile: First-time buyers, families
Rancho Del Rey
$700K - $1M
Home Type: Established SFR
Schools: Good
Typical Loan: Conventional
Buyer Profile: Move-up buyers
Bonita
$800K - $1.3M
Home Type: Larger lots, ranch homes
Schools: Good
Typical Loan: Conventional / VA
Buyer Profile: Families wanting more space
San Diego County Loan Limits & Taxes
San Diego County 2025 Loan Limits
- Conforming Loan Limit: $1,006,250
- FHA Loan Limit: $1,006,250
- VA Loan Limit: No limit with full entitlement
What This Means for Chula Vista Buyers: The high loan limits mean that nearly every home in Chula Vista can be purchased using flexible FHA, VA, or conventional financing, avoiding the need for a jumbo loan.
Getting Pre-Approved for a Chula Vista Mortgage
Why Pre-Approval is Important in Chula Vista
With homes selling quickly (average 30 days on market), a strong pre-approval letter shows sellers you are a serious, qualified buyer who can close on time.
Chula Vista Mortgage & Housing Market FAQ
What income do I need to buy a house in Chula Vista?
To afford a median-priced home in Chula Vista (~$780,000) with an FHA or VA loan, a household income of approximately $190,000-$210,000 is generally required, depending on other debts.
How much down payment do I need in Chula Vista?
VA loans require $0 down. FHA loans require a 3.5% minimum down payment (approx. $27,300 for a median-priced home). Conventional loans typically require 5-10% down to be competitive.