Veterans Home Loans
VA Loans can be approved through either Fannie Mae's Desktop Underwriter (DU), or Freddie Mac's Loan Product Advisor (LPA).
VA Loan loan limits historically have followed Conventional conforming loan limits, including higher than the conforming loan limit in high-cost Counties. High-cost Counties get to enjoy all of the benefits of traditional conforming underwriting guidelines.
UPDATED January 2020: Veterans can now qualify for 100% financing with NO MAXIMUM LOAN LIMIT. Individual lenders are still putting a cap on the maximum loan amount, so shopping may be required if one lender does not strictly follow VA guidelines.
If you are a Veteran and looking to buy owner-occupied units (duplex, triplex, fourplex) and your lender does not follow the expanded loan limits, you might want to look at expanded FHA loan limits for units.
You can find FHA Loan limits here.
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California VA Loan Limits by County
| County | 1 Unit SFR | 2 Unit Duplex | 3 Unit Triplex | 4 Unit Fourplex |
|---|---|---|---|---|
| ALAMEDA | $822,375 | Ask Lender | Ask Lender | Ask Lender |
| ALPINE | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| AMADOR | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| BUTTE | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| CALAVERAS | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| COLUSA | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| CONTRA COSTA | $822,375 | Ask Lender | Ask Lender | Ask Lender |
| DEL NORTE | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| EL DORADO | $598,000 | Ask Lender | Ask Lender | Ask Lender |
| FRESNO | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| GLENN | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| HUMBOLDT | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| IMPERIAL | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| INYO | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| KERN | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| KINGS | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| LAKE | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| LASSEN | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| LOS ANGELES | $822,375 | Ask Lender | Ask Lender | Ask Lender |
| MADERA | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| MARIN | $822,375 | Ask Lender | Ask Lender | Ask Lender |
| MARIPOSA | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| MENDOCINO | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| MERCED | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| MODOC | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| MONO | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| MONTEREY | $739,450 | Ask Lender | Ask Lender | Ask Lender |
| NAPA | $816,500 | Ask Lender | Ask Lender | Ask Lender |
| NEVADA | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| ORANGE | $822,375 | Ask Lender | Ask Lender | Ask Lender |
| PLACER | $598,000 | Ask Lender | Ask Lender | Ask Lender |
| PLUMAS | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| RIVERSIDE | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| SACRAMENTO | $598,000 | Ask Lender | Ask Lender | Ask Lender |
| SAN BENITO | $822,375 | Ask Lender | Ask Lender | Ask Lender |
| SAN BERNARDINO | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| SAN DIEGO | $753,250 | Ask Lender | Ask Lender | Ask Lender |
| SAN FRANCISCO | $822,375 | Ask Lender | Ask Lender | Ask Lender |
| SAN JOAQUIN | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| SAN LUIS OBISPO | $701,500 | Ask Lender | Ask Lender | Ask Lender |
| SAN MATEO | $822,375 | Ask Lender | Ask Lender | Ask Lender |
| SANTA BARBARA | $660,100 | Ask Lender | Ask Lender | Ask Lender |
| SANTA CLARA | $822,375 | Ask Lender | Ask Lender | Ask Lender |
| SANTA CRUZ | $822,375 | Ask Lender | Ask Lender | Ask Lender |
| SHASTA | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| SIERRA | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| SISKIYOU | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| SOLANO | $550,850 | Ask Lender | Ask Lender | Ask Lender |
| SONOMA | $707,250 | Ask Lender | Ask Lender | Ask Lender |
| STANISLAUS | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| SUTTER | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| TEHAMA | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| TRINITY | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| TULARE | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| TUOLUMNE | $548,250 | Ask Lender | Ask Lender | Ask Lender |
| $739,450 | $713,000 | Ask Lender | Ask Lender | Ask Lender |
| YOLO | $598,000 | Ask Lender | Ask Lender | Ask Lender |
| YUBA | $548,250 | Ask Lender | Ask Lender | Ask Lender |