2025 California VA Loan Limits
The VA (Veterans Administration) has announced the 2025 VA Loan Limits for California. As of January 1, 2020, there is no longer a VA Loan Limit for Veterans with full VA Entitlement Available. However, Veterans with a charge against VA Entitlement, aka partial VA Entitlement available are subject to a formula based on the VA Loan Limits and their personal available VA Entitlement.
VA Loans with zero money down are available throughout the USA to qualified Veterans with full entitlement available up to $2m. For Veterans without full entitlement available, your maximum zero down VA loan is the VA County Loan Limit minus your prior VA loan entitlement charged. The nationwide base VA loan limit for 2025 is $806,500 (see below for CA VA Loan Limits by county). VanDyk also offers VA Jumbo loans up to $2M with a down payment or equity (for refinances) of roughly 25% of the difference the purchase price and your net available VA entitlement (county VA Loan Limit minus your Prior entitlement charged, aka non-restored). Please call us to find out what the amount for your specific scenario would be 760-752-4480.
Go here for the 2025 California FHA Loan Limits
Go here for the 2025 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, Illinois, Massachusetts, Virginia and Washington at loan amounts much higher than the old VA limits.
(note - VA Jumbo Loans are also called VA High Balance Loans by some lenders)
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 $2m. 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 $2m with no money down when buying a house. Qualified San Jose vets can go up to $2m with a 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 $2m for a 100% VA Loan as well. We also offer VA Loans for veterans that have a current VA loan (aka a charge against VA entitlement). These will require an appropriate amount of Down payment on purchases, or equity on Refinances. Call us to calculate your scenario.
VanDyk Mortgage is a proud VA Lender serving many states including California, Colorado, Tennessee, Texas, Washington & 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).
I have specialized in VA Loans and VA Jumbo Loans since 2008. It is my honor to assist Veterans and Active Duty Military utilize their VA Home Loan Benefit. ~ Brian Skaar, Branch Manager, VanDyk Mortgage.
We have compiled the California VA Loan limits for 2025 by county below.
CA County 2025 VA Loan Limit for 1-4 unit homes:
County VA Loan Limit (*) VA Loan Limit (for qualified Veterans with Full Entitlement)
Alameda $1,209,750 $2,000,000
Alpine $806,500 $2,000,000
Amador $806,500 $2,000,000
Butte $806,500 $2,000,000
Calaveras $806,500 $2,000,000
Colusa $806,500 $2,000,000
Contra Costa $1,209,750 $2,000,000
Del Norte $806,500 $2,000,000
El Dorado $806,500 $2,000,000
Fresno $806,500 $2,000,000
Glenn $806,500 $2,000,000
Humboldt $806,500 $2,000,000
Imperial $806,500 $2,000,000
Inyo $806,500 $2,000,000
Kern $806,500 $2,000,000
Kings $806,500 $2,000,000
Lake $806,500 $2,000,000
Lassen $806,500 $2,000,000
Los Angeles $1,209,750 $2,000,000
Madera $806,500 $2,000,000
Marin $1,209,750 $2,000,000
Mariposa $806,500 $2,000,000
Mendocino $806,500 $2,000,000
Merced $806,500 $2,000,000
Modoc $806,500 $2,000,000
Mono $806,500 $2,000,000
Monterey $970,600 $2,000,000
Napa $1,017,750 $2,000,000
Nevada $806,500 $2,000,000
Orange $1,209,750 $2,000,000
Placer $806,500 $2,000,000
Plumas $806,500 $2,000,000
Riverside $806,500 $2,000,000
Sacramento $806,500 $2,000,000
San Benito $1,209,750 $2,000,000
San Bernardino $806,500 $2,000,000
San Diego $1,077,550 $2,000,000
San Francisco $1,209,750 $2,000,000
San Joaquin $806,500 $2,000,000
San Luis Obispo $929,200 $2,000,000
San Mateo $1,209,750 $2,000,000
Santa Barbara $838,350 $2,000,000
Santa Clara $1,209,750 $2,000,000
Santa Cruz $1,178,750 $2,000,000
Shasta $806,500 $2,000,000
Sierra $806,500 $2,000,000
Siskiyou $806,500 $2,000,000
Solano $806,500 $2,000,000
Sonoma $897,000 $2,000,000
Stanislaus $806,500 $2,000,000
Sutter $806,500 $2,000,000
Tehama $806,500 $2,000,000
Trinity $806,500 $2,000,000
Tulare $806,500 $2,000,000
Tuolomne $806,500 $2,000,000
Ventura $1,017,750 $2,000,000
Yolo $806,500 $2,000,000
Yuba $806,500 $2,000,000
For a VA loan for a higher amount than your county loan limit, please call us. We are highly experienced with VA Loans over the corresponding VA County Loan Limit for Veterans with limited Entitlement. We offer VA loans over the county loan limits for Purchase, Refinance, and VA IRRRL Streamline Refinance (aka VA Streamline).
VA Loans up to $2m with no money down for qualified Veterans with full VA entitlement available.
*VA Loans up to $2m with down payment for qualified Veterans with a Partial charge against VA entitlement. Call us to help calculate your required down payment - it is very individual to your situation.
** for VA Loans over $2m - please inquire - exceptions may be available.
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