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Tuolumne County, California VA Home Loan Information

Table of Contents


What is the VA Loan Limit?

2021 VA Home Loan Limit: $0 down up to $5,000,000* (Subject to lender limits) /2 open VA loans at one time $548,250* (Call 888-573-4496 for details).

How to Apply for a VA Home Loan?

This is a quick look at how to apply for a VA home loan in Tuolumne County. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA home loan. Here, we’ll go over the general steps to getting a VA home loan and point out some things to pay attention to in Tuolumne County. If you have any questions, you can call us at VA HLC and we’ll help you get started.

  1. Get your Certificate of Eligibility (COE)
    • Give us a call at (877) 432-5626 and we’ll get your COE for you.
  2. Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
  3. Get pre-approved, to get pre-approved for a loan, you’ll need:
    • Previous two years of W2s
    • Most recent 30 days paystubs or LES (active duty)
    • Most recent 60 days bank statements
    • Landlord and HR/Payroll Department contact info
  4. Find a home
    • We can help you check whether the home is in one of the Tuolumne County flood zones
  5. Get the necessary inspections
    • Termite inspection: required
    • Well or septic inspections needed, if applicable
  6. Get the home appraised
    • We can help you find a VA-Certified appraiser in Tuolumne County and schedule the process
    • Construction loan note: Construction permit/appraisal info
      1. Building permit
      2. Elevation certificate
  7. Lock in your interest rates
    • Wait until the appraisal lock in your loan rates. If it turns out you need to make repairs, it can push your closing back. Then you can get stuck paying rate extension fees.
  8. Close the deal and get packing!
    • You’re ready to go.

What is the Median Home Price?

As of March 31, 2021, the median home value for Tuolumne County is $311,862. In addition, the median household income for residents of the county is $60,108.

How much are the VA Appraisal Fees?

  • Single-Family: $600.
  • Individual Condo: $600.
  • Manufactured Homes: $600.
  • 2-4 Unit Multi-Family: $850.
  • Appraisal Turnaround Times: 7 days.

Do I need Flood Insurance?

  • The VA requires properties are required to have flood insurance if they are in a Special Flood Hazard Area.
  • In Tuolumne County, the mountainous terrain limits the number of flood hazards in the county, with few instances of flooding in the few low elevation areas around the county’s bodies of water.

How do I learn about Property Taxes?

  • Kaenan Whitman is the Tuolumne county tax assessor. Her office can be reached at 2 South Green St. 3rd Floor Sonora, California 95370 or by calling (209) 533-5535.
  • California offers various incentive programs that expand statewide for new, growing, and relocating businesses. Two of these programs are California Competes Tax Credit which offers qualifying businesses tax credit, and the New employment Credit program, which provides a tax credit for taxpayers who hire full-time employees. These and the many other programs available help in further diversifying the state’s economy.

What is the Population?

  • The county’s population of 54,478 is 79% White, 12% Hispanic, and 3% Mixed Race.
  • Most county residents are between 18 and 65 years old, with 16% under 18 years old and 27% older than 65.
  • In total, the county has about 22,502 households, with an average of 2.2 people per household.

What are the major cities?

The county has one city, the city of Sonora, which serves as the county seat

About Tuolumne County

Tuolumne County was named for the tribal word talmalamne, which means “people who live in caves” the county is one of the original 27 of California. The county was founded in 1850 and is known for its role in the California Gold Rush. Numerous Chinese prospectors who came in search of fortune resided in the area. Today, the township of Chinese Camp is named after those prospectors. At one point, over 5,000 natives of China lived in Chinese camps.

Residents back then established several Chinese temples, some of which still stand today. Chinese culture’s influence is on full display with the local elementary school designed in the style of a Chinese Pagoda.

With cool winters and hot summers, Tuolumne County has no shortage of activities. Sonora, the county seat of Tuolumne, is located incredibly close to Yosemite National Park. In addition to the natural exploration that comes with the national park, incredible hiking, climbing, biking, and rafting can be done at Yosemite. Sonora is also close to Railtown 1897 State Historic Park, a heritage railway.

Veteran Information

The county is currently home to 5,190 veterans.

Apply for a VA Home Loan

  • For more information about VA Home Loans and how to apply, click here.
  • If you meet the VA’s eligibility requirements, you will be able to enjoy some of the best government guaranteed home loans available.  
  • VA loans can finance the construction of a property. However, the property must be owned and prepared for construction as the VA cannot ensure vacant land loans.

VA Approved Condos

At the moment, there are no VA-approved condos available in Tuolumne County. However, it is still possible to get a condo through the approval process. Call us at (877) 432-5626, and we will help you through it.

California VA Loan Information

VA Loan Information by State