638 W Virginia
Rialto, CA, 92376
$519,900
MLS: IV26057606
Beds
3
Baths
3
Sq Ft
1,360
Lot
0.08 ac
Year Built
1985
MLS #
IV26057606
Days on Market
24
Listed
Mar 16, 2026
Description
Welcome to this charming two-story home nestled in the highly desirable city of Rialto! Featuring 3 spacious bedrooms and a thoughtfully designed layout, this home offers comfort, functionality, and plenty of potential. Step inside to a bright and open downstairs living area, complete with a cozy fireplace—perfect for relaxing evenings with family or entertaining guests. The home has seen a few tasteful upgrades over time, including an updated kitchen that adds modern appeal while maintaining a warm, inviting feel. The primary suite offers a private retreat, featuring French doors that open to your own balcony—an ideal spot to enjoy your morning coffee or unwind at the end of the day. The suite also includes a full en-suite bathroom for added comfort and convenience. Out back, you’ll find a newly built shed—ideal for storage, hobbies, or a creative workspace. The garage is equipped with built-in shelving, making it a perfect setup for the hands-on homeowner who enjoys staying organized and tackling projects. Enjoy added peace of mind with community security patrol, along with the benefit of very low HOA fees—providing both comfort and value. Conveniently located near popular shopping centers, major freeways for easy commuting, and well-regarded schools, this home combines comfort with everyday convenience. Don’t miss the opportunity to make this versatile and well-located home your own!
Location
Rialto, San Bernardino County, CA 92376
Open on Google Maps ↗Listed by: ANDREW CARCAMO · BERKSHIRE HATHAWAY HOMESERVICES CALIFORNIA REALTY
Payment estimate
$3,911
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $51,990 · Loan: $467,910
- Principal & Interest
- $2,875
- Property tax (1.25%)
- $542
- Homeowners insurance
- $300
- Mortgage insurance
- $195
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Rialto home with as little as 3.5% down using an FHA loan — roughly $18,197 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
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