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California VA Loans

In California, homeownership is a dream for many people, but not everyone has access to a loan program as great as the VA home loan. So whether you are looking to settle down in the sprawling hillsides or sunny beaches, you’ll be thrilled with your new home.

Published on October 19, 2020

With the average listing price of a home in California landing at $609,757, the VA loan’s signature $0-money-down benefit is a considerable advantage for California homebuyers.

See also: VA Loan Options for Other States

How to get a VA Loan in California

VA loans are made by private lenders and guaranteed by the Department of Veterans Affairs. Because private lenders make the loans and not the VA, you need to find a lender licensed in the state you plan to purchase or refinance.

For example, if you're purchasing a home in Temecula, CA, you'll need to find a lender licensed in California to do the loan.

Our Lender
Veterans United Home Loans is a VA approved lender; Mortgage Research Center, LLC – NMLS #1907 ( Not affiliated with the Dept. of Veterans Affairs or any government agency. Not available in NV or NY. 1400 Veterans United Dr., Columbia, MO 65203. Equal Housing Lender

Other Considerations for Getting a VA Loan in California

VA borrowers in California should also consider the cost and impact of VA loan limits and property taxes when making their home purchase.

California VA Loan Limits

As of January 1, 2020, VA borrowers in California with their full VA loan entitlement are not restricted by VA loan limits. This means you can borrow as much as a lender is willing to lend without needing a down payment.

However, Veterans without their full VA loan entitlement are still bound to California’s VA loan limits.

California VA Loan Limits by County

County Loan Limit
Alameda $822,375
Contra Costa $822,375
El Dorado $598,000
Los Angeles $822,375
Marin $822,375
Monterey $739,450
Napa $816,500
Orange $822,375
Placer $598,000
Sacramento $598,000
San Benito $822,375
San Diego $753,250
San Francisco $822,375
San Luis Obispo $701,500
San Mateo $822,375
Santa Barbara $660,100
Santa Cruz $822,375
Solano $550,850
Ventura $739,450
Yolo $598,000
All other areas $548,250

Property Taxes in California

Another consideration for VA buyers in California is property taxes. For certain VA buyers, there are exemptions.

You may be eligible for a property tax exemption in California if you meet one of the following conditions:

  • Possible exemption of up to $4,000 in value if you are a Veteran who owns a limited amount of property, such as $5,000 or less if you are single and $10,000 or less if you are married.
  • If you are qualified Veterans, the basic Disabled Veterans’ Exemption on property tax on the primary place of residence can be up to $100,000 or a low-income exemption of up to $150,000.

If you are required to pay property tax in California, the American Community Survey by the U.S. Census Bureau estimates you may pay the following in each county:

County Property Tax Rate
Alameda County 0.78%
Alpine County 0.82%
Amador County 0.74%
Butte County 0.74%
Calaveras County 0.81%
Colusa County 0.68%
Contra Costa County 0.85%
Del Norte County 0.73%
El Dorado County 0.76%
Fresno County 0.82%
Glenn County 0.75%
Humboldt County 0.67%
Imperial County 0.91%
Inyo County 0.76%
Kern County 1.00%
Kings County 0.76%
Lake County 0.86%
Lassen County 0.77%
Los Angeles County 0.72%
Madera County 0.76%
Marin County 0.77%
Mariposa County 0.71%
Mendocino County 0.69%
Merced County 0.75%
Modoc County 0.88%
Mono County 0.78%
Monterey County 0.71%
Napa County 0.68%
Nevada County 0.78%
Orange County 0.69%
Placer County 0.92%
Plumas County 0.69%
Riverside County 0.95%
Sacramento County 0.81%
San Benito County 0.82%
San Bernardino County 0.81%
San Diego County 0.73%
San Francisco County 0.64%
San Joaquin County 0.85%
San Luis Obispo County 0.71%
San Mateo County 0.65%
Santa Barbara County 0.66%
Santa Clara County 0.73%
Santa Cruz County 0.66%
Shasta County 0.76%
Sierra County 0.88%
Siskiyou County 0.77%
Solano County 0.82%
Sonoma County 0.70%
Stanislaus County 0.77%
Sutter County 0.90%
Tehama County 0.67%
Trinity County 0.52%
Tulare County 0.78%
Tuolumne County 0.76%
Ventura County 0.73%
Yolo County 0.87%
Yuba County 0.86%

How VA Loans Work in California

View the graphic below to learn more about how VA loans work in California.

How California VA Loans work How California VA Loans work How California VA Loans work