VA Loans FAQ

For 2025, VA loan limits in California vary by county. High-cost areas like Los Angeles, Orange, and San Francisco counties have no limit for veterans with full entitlement. Veterans with partial entitlement have limits ranging from $498,257 to $1,149,825 depending on the county.

No, VA loans do not require a down payment, even in high-cost California markets. You can purchase a home with $0 down, making homeownership more accessible for veterans and active military in expensive California housing markets.

The VA funding fee for 2025 ranges from 1.25% to 3.3% of the loan amount, depending on your down payment and whether it's your first VA loan. Veterans with service-connected disabilities rated at 10% or higher are exempt from the funding fee.

Yes, VA loan benefits can be reused. If you sell your home and pay off the VA loan, your entitlement is restored. You can also have multiple VA loans simultaneously if you have remaining entitlement and sufficient income to qualify.

While the VA doesn't set a minimum credit score, most California lenders require a score of 620 or higher. Some lenders may work with veterans who have scores as low as 580, especially with compensating factors like stable income or significant assets.

Yes, you can use a VA loan to purchase up to a 4-unit property in California, as long as you live in one of the units as your primary residence. This is a great way to build wealth through real estate investment while using your VA benefits.