VA loans in San Francisco.
The San Francisco County figure on this page is a county reference only, not an address-based lookup for San Francisco. Confirm the property's county, and which local offices serve the address, before relying on it.
San Francisco 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. · San Francisco County (FIPS 06075)
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.
San Francisco County carries a $1,249,125 one-unit conforming loan limit value for 2026, and that is the county figure we reference for San Francisco. 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 assumptionSan Francisco sellers must give buyers a 3R report, but it shows only building permits
San Francisco's Report of Residential Building Record (3R report) shows a residential building's authorized use and building permit history. SF.gov says owners or realtors are legally required under the housing code to give the buyer a 3R report. The report lists only building permits. It does not include plumbing, electrical or commercial permits, which require a separate public building records request.
Requests need the block and lot, address and legal owner. The City asks whether the building is a corner building, condominium or co-op, and which building is meant when a lot has more than one. For mixed-use buildings the report covers only the residential units. Practical step: read the authorized use against the unit count you are buying, and request full building records if electrical or plumbing work matters to you.
San Francisco supplemental assessments: one or two extra bills after purchase
San Francisco's Assessor-Recorder explains that a change in ownership or completed new construction is a supplemental event. The office sets the property's market value as of that date, subtracts the prior assessed value, and enrolls the difference as a supplemental assessment. The Treasurer and Tax Collector then mails one or two supplemental bills in addition to the annual bill.
If the event occurs between January 1 and May 31, two supplemental bills are issued. The second covers the change in value for the full fiscal year starting the following July 1. Practical step: use the City's Supplemental Tax Calculator to estimate your obligation for the fiscal year you bought, and plan for a possible second bill.
- FHFA — Conforming loan limit values
- SF.gov — Request a Report of Residential Building Record (3R report)
- SF.gov — Learn about supplemental assessments
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in CA.
$0 down in San Francisco. 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 San Francisco, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your San Francisco 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 San Francisco — 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 San Francisco is San Francisco County (FIPS 06075), 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 San Francisco 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 San Francisco — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.