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California VA Loans & Home Loan Info

california state seal

With a population of 38 million people, California is the most populous state in the country. By area, only Alaska and Texas are larger than California. Bordered by Arizona, Nevada and Oregon, California has a diverse geographical range. The Pacific Coast in the west, Sierra Nevada in the east, the Mojave Desert in the south-east and the Redwood Forests of the northwest come together to form unmatched topography in terms of uniqueness. The state contains Mount Whitney, the highest point and Death Valley, the lowest point in the continental United States. Only Florida and Alaska have a longer coastline, and no other state produces more fruit or vegetables. The economy is varied, and important sectors include education, aerospace, manufacturing and the high-tech industry. Silicon Valley in Northern California is home to thousands of tech startups. Notable companies headquartered in this area include Facebook, Google, eBay, Hewlett-Packard and Adobe Systems.

Because of how enormous the state is, offerings are incredibly varied. California has a wide diversity of land (topography) and home prices. Properties are available for purchase using a California VA loan range from condominiums to houses and ranches to farms. Attractions include Disneyland, Hollywood, major metropolitan areas like Los Angeles, San Diego and San Francisco, wineries, rugged national parks, beautiful beaches such as Malibu, San Clemente and Coronado, and a plethora of other things. The State is home to NHL, NFL, MLB, MLS and NBA teams. Culinary options throughout are as ranging is the landscape. The climate is idyllic.

Formed in 1850, California is the nation’s 31st state. A hotbed for multiculturalism, historical influences on California stem from all over the globe. 33 percent of the population is multilingual. The state has the largest minority population in the country.

Special incentives are available to VA loan borrowers who are residents of California. The incentives can include a waiver of property taxes (for disabled and senior veterans) or special home loan rebates.

If you are a veteran or active duty military looking to purchase or refinance a home in California, complete the VA home loan application using the link above.

VA Approved Homes For Sale In California

If you are a home buyer and would like no-cost real estate representation, call 888-573-4496 Option 0 to speak with an agent/specialist or click here to request assistance.

Maximum California VA loan Appraisal Fees:

The maximum charge (limits) you will pay for a VA appraisal for a property in California are:

  • Single Family: $450
  • Condominium: $450
  • Manufactured Housing ( including modular): $450
  • Duplex $500
  • Triplex $600
  • Fourplex $600
  • Repair Certification $100


NOTE: The following is for information purposes only. To find out the exact dollar amount you qualify for, call the VA Home Loan Centers Applications Support Desk at 888-573-4496 or fill out the VA Home Loan Application located here.

2021 California VA Loan Limits (by county):

The loan limits below are the maximum, $0 down VA loan amount set for each county. Although there is no maximum VA Home Loan amount, the maximum no money down VA home loan limits with a full guarantee is stated below. For loans above the county loan limit, the borrower may have to make a down payment. For more information, call 888-573-4496 to speak with a loan officer.

  1. Alameda County: $822,375
  2. Alpine County: $548,250
  3. Amador County: $548,250
  4. Butte County: $548,250
  5. Calaveras County: $548,250
  6. Colusa County: $548,250
  7. Contra Costa County: $822,375
  8. Del Norte County: $548,250
  9. El Dorado County: $598,000
  10. Fresno County: $548,250
  11. Glenn County: $548,250
  12. Humboldt County: $548,250
  13. Imperial County: $548,250
  14. Inyo County: $548,250
  15. Kern County: $548,250
  16. Kings County: $548,250
  17. Lake County: $548,250
  18. Lassen County: $548,250
  19. Los Angeles County: $822,375
  20. Madera County: $548,250
  21. Marin County: $822,375
  22. Mariposa County: $548,250
  23. Mendocino County: $548,250
  24. Merced County: $548,250
  25. Modoc County: $548,250
  26. Mono County: $548,250
  27. Monterey County: 739,450
  28. Napa County: $816,500
  29. Nevada County: $548,250
  30. Orange County: $822,375
  31. Placer County: $598,000
  32. Plumas County: $548,250
  33. Riverside County: $548,250
  34. Sacramento County: $598,000
  35. San Benito County: $822,375
  36. San Bernardino County: $548,250
  37. San Diego County: $753,250
  38. San Francisco County: $822,375
  39. San Joaquin County: $548,250
  40. San Luis Obispo County: $701,500
  41. San Mateo County: $822,375
  42. Santa Barbara County: $660,100
  43. Santa Clara County: $822,375
  44. Santa Cruz County: $822,375
  45. Shasta County: $548,250
  46. Sierra County: $548,250
  47. Siskiyou County: $548,250
  48. Solano County: $550,850
  49. Sonoma County: 707,250
  50. Stanislaus County: $548,250
  51. Sutter County: $548,250
  52. Tehama County: $548,250
  53. Tulare County: $548,250
  54. Tuolumne County: $548,250
  55. Trinity County: $548,250
  56. Ventura County: $739,450
  57. Yolo County: $598,000
  58. Yuba County: $548,250