VA Loan Limits for 2025 – VA loans now available up to $2m with no money down in California
The Veterans Administration has announced the VA Loan Limits for California for 2025. The new California VA Loan Limits for 2025 have increased in all areas. The real good news is that the Blue Water Navy Veterans act removed the maximum VA Loan Limit for Veterans with full entitlement available.
We now offer zero down VA Loans up to $2m for qualified Veterans.
The VA Jumbo Loan (aka VA High Balance Loan) allows Veterans and Active Duty Military Personnel to purchase homes in higher cost areas of California and Washington at loan amounts more in sync with local housing prices. Qualified Vet’s can purchase up to $2M with zero money down in Bay Area counties such as San Francisco, Marin, San Mateo, Alameda and Contra Costa as well as Los Angeles and Orange county. In fact – with current rules – you can purchase a home with your VA Home Loan Benefit up to $2m with zero down anywhere we lend -the only limitations are what you can afford.
Some examples of the new VA Loan Limits in California are: Veterans in Los Angeles, Orange County, Brea, Pasadena, Irvine, Costa Mesa, Huntington Beach, and Long Beach may qualify for a 100% VA Jumbo loan up to $2m. San Diego County cities including San Diego, Oceanside, Chula Vista, El Cajon, Encinitas, Carlsbad, San Marcos, Escondido, Rancho Bernardo, and La Mesa a Vet can borrow up up to $2m with no money down when buying a house. San Jose Vets can go up to $2m with no money down VA Purchase Loan. SF Bay Area Vets buying a home in San Francisco, Alameda, Oakland, Fremont, Contra Costa, Marin, San Mateo, Daly City, etc can qualify up to $2m for a 100% VA Jumbo Loan as well. This applies to Veterans with full entitlement available. If you have partial entitlement, your maximum zero down VA loan will be reduced from the VA County Loan limit by the amount of your charged entitlement. Please give us a call so we can help determine if your entitlement can be restored to full, giving you the most benefit for your next VA Loan.
We also offer VA Loans that exceed VA County Loan Limits for Veterans with partial entitlement available with the appropriate amount of Down payment on purchases, or equity on Refinances, with a max VA Jumbo Loan amount of $2.0M.
VanDyk Mortgage is a proud VA Lender serving many states including California, Colorado, Texas, Tennessee, Washington, and more.
Reminder – No maximum VA Loan Limit for Veterans with full entitlement available. Of course you have to show adequate income to make the payments, but the ceiling is individual now.
We have compiled the California VA Loan limits for 2025 by county below.
State County 2025 VA Loan Limit
CA ALAMEDA $1,209,750
CA ALPINE $806,500
CA AMADOR $806,500
CA BUTTE $806,500
CA CALAVERAS $806,500
CA COLUSA $806,500
CA CONTRA COSTA $1,209,750
CA DEL NORTE $806,500
CA EL DORADO $806,500
CA FRESNO $806,500
CA GLENN $806,500
CA HUMBOLDT $806,500
CA IMPERIAL $806,500
CA INYO $806,500
CA KERN $806,500
CA KINGS $806,5000
CA LAKE $806,500
CA LASSEN $806,500
CA LOS ANGELES $1,209,750
CA MADERA $806,500
CA MARIN $1,209,750
CA MARIPOSA $806,500
CA MENDOCINO $806,500
CA MERCED $806,500
CA MODOC $806,500
CA MONO $806,500
CA MONTEREY $970,600
CA NAPA $1,017,750
CA NEVADA $806,500
CA ORANGE $1,209,750
CA PLACER $806,500
CA PLUMAS $806,5000
CA RIVERSIDE $806,500
CA SACRAMENTO $806,500
CA SAN BENITO $1,209,750
CA SAN BERNARDINO $806,500
CA SAN DIEGO $1,077,550
CA SAN FRANCISCO $1,209,750
CA SAN JOAQUIN $806,500
CA SAN LUIS OBISPO $967,150
CA SAN MATEO $1,209,7500
CA SANTA BARBARA $913,100
CA SANTA CLARA $1,209,750
CA SANTA CRUZ $1,178,750
CA SHASTA $806,500
CA SIERRA $806,500
CA SISKIYOU $806,500
CA SOLANO $806,500
CA SONOMA $897,000
CA STANISLAUS $806,500
CA SUTTER $806,500
CA TEHAMA $806,500
CA TRINITY $806,500
CA TULARE $806,500
CA TUOLUMNE $806,500
CA VENTURA $1,017,750
CA YOLO $806,500
CA YUBA $806,500
Many Vets would like to purchase or refinance a home that exceeds their net eligibility from charged entitlement and the respective County VA Loan Limit. If you need a VA loan for a higher amount than your county loan limit net calculation, please call us. We offer VA loans over the county loan limit net calculation for Purchase, Refinance, and VA IRRRL Streamline Refinance (aka VA Streamline), up to $2.0M nationwide with appropriate down payment or home equity to meet the VA guarantee requirement. Call or text Brian Skaar at 760-752-4480 to get started. VanDyk Mortgage also offers FHA, VA, & Conventional loans in addition to FHA Jumbo, VA Jumbo, and Conforming Jumbo loans (aka FHA High Balance, VA High Balance, and Conforming High Balance).
>>> Get started here on your VA Loan online, or give us a call at 866-900-2342 (toll free direct) or Call/Text Brian direct at 760-752-4480