California VA Loan Limits for 2023

VA Loan Limits for 2023 – 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 2023.   The new California VA Loan Limits for 2023 have increased in nearly 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.

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, Georgia, Illinois, Massachusetts, Virginia, 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 2023 by county below.

State County 2023 VA Loan Limit

CA ALAMEDA $1,089,300

CA ALPINE $726,200

CA AMADOR $726,200

CA BUTTE $726,200

CA CALAVERAS  $726,200

CA COLUSA $726,200

CA CONTRA COSTA $1,089,300

CA DEL NORTE $726,200

CA EL DORADO $763,600

CA FRESNO $726,200

CA GLENN $726,200

CA HUMBOLDT $726,200

CA IMPERIAL $726,200

CA INYO $726,200

CA KERN $726,200

CA KINGS $726,200

CA LAKE $726,200

CA LASSEN $726,200

CA LOS ANGELES $1,089,300

CA MADERA  $726,200

CA MARIN $1,089,300

CA MARIPOSA $726,200


CA MERCED $726,200

CA MODOC $726,200

CA MONO $726,200

CA MONTEREY $915,400

CA NAPA $1,017,750

CA NEVADA $726,200

CA ORANGE $1,089,300

CA PLACER $763,600

CA PLUMAS $726,200



CA SAN BENITO   $1,089,300


CA SAN DIEGO $977,500




CA SAN MATEO $1,089,300


CA SANTA CLARA $1,089,300

CA SANTA CRUZ $1,089,300

CA SHASTA $726,200

CA SIERRA $726,200

CA SISKIYOU $726,200

CA SOLANO $726,200

CA SONOMA $861,350


CA SUTTER $726,200

CA TEHAMA $726,200

CA TRINITY $726,200

CA TULARE $726,200

CA TUOLUMNE $726,200

CA VENTURA $948,750

CA YOLO $763,600

CA YUBA $726,200

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

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