949.640.3102

VA released updated California VA Loan Limits for 2018. The limits shown below are for “high cost” counties within California. Any county not listed will have the standard VA limit of $453,100. Orange county and Los Angeles countys continue to be at the maximum VA limit for $0 down financing of $679,650. It is important to understand that these limits are for $0 down (100%) financing. Some VA lenders will fund VA loans up to $2,000,000 or higher with some down payment. These are known as Jumbo VA loans.

2018 VA Loan Limits of California

California CountyLoan Limit
Alameda$679,650
Alpine$463,450
Contra Costa$679,650
El Dorado$517,500
Los Angeles$679,650
Marin$679,650
Mono$529,000
Monterey$615,250
Napa$679,650
Nevada$477,250
Orange$679,650
Placer$517,500
Sacramento$517,500
San Benito$679,650
San Diego$649,750
San Francisco$679,650
San Luis Obispo$615,250
San Mateo$679,650
Santa Barbara$625,500
Santa Clara$679,650
Santa Cruz$679,650
Solano$460,000
Sonoma$648,600
Ventura$672,750
Yolo$517,500

*** Any California county not listed above has the standard 100% financing limit of $453,100. But remember, you can go above that limit with a down payment equal to 25% of the difference between the county limit and purchase price. For example, a home purchased for $553,100 in a county with the standard $453,100 limit, would have a down payment of $25,000 and VA loan of $528,100.

**Updated 11/15/2018