VA loans in Sacramento.
This guide covers property inside the City of Sacramento. The county figure on this page is Sacramento County's 2026 FHFA value, shown as a county reference — confirm the property's county before using it.
Sacramento 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. · Sacramento County (FIPS 06067)
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.
Sacramento County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Sacramento. 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 assumptionCheck Sacramento permit history and open code cases before you remove contingencies
The City of Sacramento's Permit Services page describes a public permit portal where records can be viewed, and a public kiosk whose listed uses include searching the permit history for a property and searching open code cases for a property.
Those are two different questions. Permit history shows what work was recorded with the City: compare its scope and final inspection status with the work the seller describes, and ask about gaps. A missing online result is not proof of unpermitted work, and an Issued permit is not a completed inspection. An open code case shows an unresolved enforcement matter the City has recorded. Practical step: look up both for the exact address, and if an open code case appears, raise it with your agent and title company before you commit. It may affect repairs or your negotiation.
Sacramento County supplemental bills are yours even if your lender pays taxes from escrow
The Sacramento County Assessor explains that when it reappraises a property after a change in ownership, it mails the owner a Notice of Supplemental Assessment. The reappraisal can produce one or more supplemental tax bills if value increased, or a refund if it decreased.
The Assessor is explicit that supplemental bills are in addition to the regular annual bill, are mailed directly to the owner, and are the owner's responsibility even when a lender normally pays property taxes through an impound account; it advises owners not to presume the lender will pay them. The Assessor's site links a supplemental tax estimator, which it notes is maintained by an independent data service. Practical step: discuss with your loan officer how a supplemental bill would be paid, and keep funds available for it after closing.
- FHFA — Conforming loan limit values
- City of Sacramento — Permit Services
- Sacramento County Assessor — Supplemental Assessments
- VA — Home loan entitlement and limits
Sources checked 2026-09-23. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in CA.
$0 down in Sacramento. 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 Sacramento, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Sacramento 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 Sacramento — 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 Sacramento is Sacramento County (FIPS 06067), whose official 2026 one-unit value is $832,750 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 Sacramento 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 Sacramento — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.