VA loans in Long Beach.
The Los Angeles County figure on this page is a county reference only, not an address-based lookup for Long Beach. Confirm the property's county, and which local offices serve the address, before relying on it.
Los Angeles County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Los Angeles County (FIPS 06037)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Los Angeles County carries a $1,249,125 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Long Beach. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionLong Beach permit records: ask for the right record type, and check open code cases
The City of Long Beach separates three permit record tools. Plan Review Status needs a project number. Permit Status and Permit History show a project's number, description and Inspection Final dates. Archival Permit Records use an address lookup for available certificates of occupancy, plot plans and reports. The City says missing documents can be requested through a Public Records Act request, and that architecturally drawn plans are not online but can be viewed at the Permit Center, with duplication handled by a separate application.
The City also lists active Code Enforcement cases by Council District, one through nine, with a district map. Practical step: look up the Inspection Final date for work the seller describes, request archival records or plans you cannot find online, and check your district's open-case list, then ask the Bureau about any matching case. An online miss is not proof of unpermitted work.
Los Angeles County disabled veterans' exemption: mailed claims, VA-certified disability
The Los Angeles County Assessor says a veteran who is blind in both eyes, has lost the use of two or more limbs, or is totally disabled because of service-connected injury or disease may qualify for the Disabled Veterans' Exemption. The VA must certify the disability, and unmarried surviving spouses of certain deceased veterans may also qualify. The Assessor asks claimants to mail the completed claim form to 500 W. Temple St., Room 227, and does not accept electronically transmitted documents containing sensitive personal information.
The County publishes standard and low-income exemption amounts and household income limits for each lien date. Practical step: after closing, download the current form and mail it, then use the Assessor's contact form to confirm it was received.
- FHFA — Conforming loan limit values
- City of Long Beach Community Development — Permit Status / Records
- City of Long Beach Code Enforcement — Current Open Cases
- Los Angeles County Assessor — Disabled Veterans' Exemption
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
Owner-occupied 2–4 units are eligible.
VA allows purchases up to four units as long as you occupy one of them. Whether any projected rental income counts toward your qualifying ratios is a lender and VA underwriting decision, not an automatic allowance. The one-unit county value above is still the figure used in entitlement calculations on a 2–4 unit property.
Run the house-hack calculatorVA loan programs available in CA.
$0 down in Long Beach. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of CA veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Long Beach, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Long Beach purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Long Beach — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Long Beach is Los Angeles County (FIPS 06037), whose official 2026 one-unit value is $1,249,125 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Long Beach with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Long Beach — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.