2016 California VA Loan Limits

The VA (Veterans Administration) has announced the 2016 VA Loan Limits for California.  The formula for generating the VA Loan Limits was originally enhanced by Congress in 2008, that legislation expired on Jan 1, 2012, and was reinstated as of August 6, 2012.  Congress did now renew the VA Loan Limit rules brought forth in the 2012 Camp Lejeune Legislation.   The formula has now regressed to the base formula based on Freddie Mac/Fannie Mae conforming limits.   VA Loans with zero money down are available throughout the USA to qualified Veterans up to $417,000, and in higher cost areas the zero down VA loan limit is up to $625,500 (see below for CA VA Loan Limits by county).  VanDyk also offers VA Jumbo loans up to $1.5M with a down payment or equity (for refinances) of roughly 25% of the difference between the county VA Loan Limit and your homes Value/Purchase Price.   Please call us to find out what the amount for your specific scenario would be.

Be sure to give us a call if you have questions on the 2016 VA Loan Limits for California.    

The VA Jumbo Loan allows Veterans and Active Duty Military Personnel to purchase homes in higher cost areas such as California, Massachusetts, Virginia and Washington at loan amounts much higher than the old VA limits.

Some examples in California are: Veterans in Los Angeles, Orange County, Santa Monica, Hermosa Beach, Manhattan Beach, Torrance, Pasadena, Irvine, Costa Mesa, Huntington Beach, Anaheim, and Long Beach may qualify for a 100% VA Jumbo loan up to $625,500. San Diego County cities including San Diego, Oceanside, Chula Vista, El Cajon, Encinitas, Carlsbad, San Marcos, Escondido, Rancho Bernardo, La Mesa and Coronado a Vet can borrow up to $580,750 with no money down when buying a house.  San Jose vets can go up to $625,500 with no money down VA Purchase Loan. SF Bay Area Vets buying a home in San Francisco, Alameda, Oakland, Fremont, Contra Costa, Marin, San Mateo, Daly City, etc can qualify up to $625,500 for a 100% VA Loan as well. We also offer VA Loans that exceed these limits with the appropriate amount of Down payment on purchases, or equity on Refinances.

VanDyk Mortgage is a proud VA Lender serving many states including California, Georgia, Indiana, Massachusetts, Michigan, Virgina, Washington, Wyoming, and more.

VanDyk Mortgage offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).

We have compiled the California VA Loan limits for 2016 by county below.

State County 2016 VA Loan Limit

CA ALAMEDA               $625,500

CA ALPINE                   $463,450

CA AMADOR                $417,000

CA BUTTE                    $417,000

CA CALAVERAS           $417,000

CA COLUSA                 $417,000

CA CONTRA COSTA     $625,500

CA DEL NORTE            $417,000

CA EL DORADO           $474,950

CA FRESNO                 $417,000

CA GLENN                    $417,000

CA HUMBOLDT             $417,000

CA IMPERIAL                $417,000

CA INYO                       $417,000

CA KERN                      $417,000

CA KINGS                     $417,000

CA LAKE                      $417,000

CA LASSEN                  $417,000

CA LOS ANGELES        $625,500

CA MADERA                $417,000

CA MARIN                    $625,500

\CA MARIPOSA            $417,000

CA MENDOCINO           $417,000

CA MERCED                $417,000

CA MODOC                  $417,000

CA MONO                     $529,000

CA MONTEREY            $529,000

CA NAPA                      $625,500

CA NEVADA                 $477,250

CA ORANGE                 $625,500

CA PLACER                  $474,950

CA PLUMAS                 $417,000

CA RIVERSIDE             $417,000

CA SACRAMENTO        $474,950

CA SAN BENITO           $625,500


CA SAN DIEGO            $580,750

CA SAN FRANCISCO    $625,500

CA SAN JOAQUIN         $417,000


CA SAN MATEO           $625,500


CA SANTA CLARA        $625,500

CA SANTA CRUZ          $625,500

CA SHASTA                  $417,000

CA SIERRA                   $417,000

CA SISKIYOU               $417,000

CA SOLANO                 $417,000

CA SONOMA                $554,300

CA STANISLAUS           $417,000

CA SUTTER                  $417,000

CA TEHAMA                 $417,000

CA TRINITY                   $417,000

CA TULARE                  $417,000

CA TUOLUMNE             $417,000

CA VENTURA               $603,750

CA YOLO                      $474,950

CA YUBA                      $417,000

If you need a VA loan for a higher amount than your county loan limit, please call us. We do offer VA loans over the county loan limits for Purchase, Refinance, and VA IRRRL Streamline Refinance (aka VA Streamline). Call Brian Skaar at 760-752-4480 or 866-900-2342 toll free to get started.
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