2018 California VA Loan Limits

The VA (Veterans Administration) has announced the 2018 VA Loan Limits for California.  The formula is now based on the Freddie Mac / Fannie Mae conforming limits set by the FHFA (Federal Housing Finance Administration, not to be confused with FHA, the Federal Housing Administration).   VA Loans with zero money down are available throughout the USA to qualified Veterans up to $453,100, and in higher cost areas the zero down VA loan limit is up to $679,650 (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.

Go here for the 2018 California FHA Loan Limits

Go here for the 2018 California Conventional Conforming Loan Limits

The VA Jumbo Loan allows Veterans and Active Duty Military Personnel to purchase homes in higher cost areas such as California, Colorado, 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 $679,650. 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 $649,750 with no money down when buying a house.  San Jose vets can go up to $679,650 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 $679,650 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, Colorado, Georgia, Indiana, Massachusetts, Michigan, Mississippi, Tennessee, Texas, Virgina, Washington & Wyoming.

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 2018 by county below.

State County 2018 VA Loan Limit

CA ALAMEDA              $679,650

CA ALPINE                   $463,450

CA AMADOR                $453,100

CA BUTTE                    $453,100

CA CALAVERAS          $453,100

CA COLUSA                 $453,100

CA CONTRA COSTA   $679,650

CA DEL NORTE           $453,100

CA EL DORADO          $517,500

CA FRESNO                $453,100

CA GLENN                   $453,100

CA HUMBOLDT           $453,100

CA IMPERIAL               $453,100

CA INYO                       $453,100

CA KERN                      $453,100

CA KINGS                     $453,100

CA LAKE                       $453,100

CA LASSEN                  $453,100

CA LOS ANGELES       $679,650

CA MADERA                 $453,100

CA MARIN                     $679,650

\CA MARIPOSA             $453,100

CA MENDOCINO           $453,100

CA MERCED                  $453,100

CA MODOC                    $453,100

CA MONO                       $529,000

CA MONTEREY              $615,250

CA NAPA                         $679,650

CA NEVADA                    $477,250

CA ORANGE                   $679,650

CA PLACER                    $517,500

CA PLUMAS                    $453,100

CA RIVERSIDE               $453,100

CA SACRAMENTO         $517,500

CA SAN BENITO             $679,500


CA SAN DIEGO               $649,750

CA SAN FRANCISCO      $679,650

CA SAN JOAQUIN           $453,100

CA SAN LUIS OBISPO    $615,250

CA SAN MATEO              $679,650

CA SANTA BARBARA     $625,500

CA SANTA CLARA          $679,650

CA SANTA CRUZ            $679,650

CA SHASTA                     $453,100

CA SIERRA                      $453,100

CA SISKIYOU                  $453,100

CA SOLANO                    $453,100

CA SONOMA                   $648,600

CA STANISLAUS             $453,100

CA SUTTER                     $453,100

CA TEHAMA                    $453,100

CA TRINITY                     $453,100

CA TULARE                     $453,100

CA TUOLUMNE               $453,100

CA VENTURA                  $672,750

CA YOLO                         $517,500

CA YUBA                         $453,100

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, or Get Started here Online



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