Your VA loan in California.
High-cost county conforming limits are higher — full-entitlement VA jumbo borrowers can exceed them with $0 down.
Where California veterans are buying.
With the $0-down VA benefit, a typical California buyer in the $785,000 range can move in with only closing costs and prepaids — no down payment and no monthly PMI. The VA funding fee, unless waived, may be financeable into the loan.
Veterans with full entitlement have no VA loan limit — the $1,249,125 2026 FHFA conforming loan limit figure only matters for borrowers with reduced or partial entitlement, or when calculating remaining bonus entitlement. 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.
Widows and widowers of CA veterans qualify too.
An unremarried surviving spouse of a California veteran who died in service, from a service-connected disability, or who is receiving VA Dependency and Indemnity Compensation (DIC) may qualify for the VA home loan — no down payment, no monthly PMI, and a funding-fee exemption (closing costs, prepaids, and escrows may still apply). Two statutory exceptions preserve eligibility after remarriage (age 57+ on/after Dec 16, 2003, or a terminated remarriage).
Many surviving spouses who may be eligible have never been told the benefit exists. The way to find out is a VA eligibility determination. Your Certificate of Eligibility (VA Form 26-1817) is issued through the Regional Loan Center that serves CA.
City-by-city VA loan guides.
Local BAH, 2026 FHFA conforming limits, median prices, and the nearest installation for every CA metro we cover.
Buying in California? Start with a real number.
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