2012 California VA Loan Limits for VA Borrowers

2012 California VA Loan Limits for VA Borrowers



The Veterans Administration has released the 2012 VA Loan Limits for California. While they stated that Congress may increase these limits, they will not go down. The formula for generating the VA Loan Limits was altered by Congress in 2008, and has now been altered again. The VA Jumbo Loan allows Veterans and Active Duty Military Personnel to purchase homes in higher cost areas such as California and Washington at loan amounts much higher than the old VA limits. 


Some examples in California are veterans in Los Angeles, Orange County, Ventura, Brea, Pasadena, Irvine, Costa Mesa, Huntington Beach, and Long Beach may qualify for a 100% VA Jumbo loan up to $625,500. San Diego County cities including San Diego, Oceanside, Chula Vista, El Cajon, Encinitas, Carlsbad, San Marcos, Escondido, Rancho Bernardo, la Mesa and National City a Vet can borrow up to $477,000 with no money down when buying a house. San Jose vets can go up to $625,500 with no money down VA Purchase Loan. Bay Area Vets buying a home in San Francisco, Alameda, Oakland, Fremont, Contra Costa, Marin, San Mateo, Daly City, etc can qualify up to $625,500 for a 100% VA Loan as well. 


We also offer VA Loans that exceed these limits with the appropriate amount of Down payment on purchases, or equity on Refinances.  VanDyk Mortgage is a proud VA Lender serving many states including California, Washington, Texas, Florida, and more.

VanDyk Mortgage 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).


We have compiled the California VA Loan limits for 2012 by county below.


State County 2012 VA Loan Limit


CA ALAMEDA   $625,500
CA ALPINE  $417,000
CA AMADOR   $417,000
CA BUTTE   $417,000
CA CALAVERAS   $417,000
CA COLUSA   $417,000
CA CONTRA COSTA   $625,500
CA DEL NORTE   $417,000
CA EL DORADO   $417,000
CA FRESNO   $417,000
CA GLENN   $417,000
CA HUMBOLDT   $417,000
CA IMPERIAL   $417,000
CA INYO   $417,000
CA KERN   $417,000
CA KINGS   $417,000
CA LAKE   $417,000
CA LASSEN   $417,000
CA LOS ANGELES   $625,500
CA MADERA   417,000
CA MARIN   $625,500
\CA MARIPOSA   $417,000
CA MENDOCINO   $417,000
CA MERCED   $417,000
CA MODOC   $417,000
CA MONO   $417,000
CA MONTEREY   $417,000
CA MONO   $417,000
CA NAPA   $460,000
CA NEVADA   $417,000
CA ORANGE   $625,500
CA PLACER   $417,000
CA PLUMAS   $417,000
CA RIVERSIDE   417,000
CA SACRAMENTO   $417,000
CA SAN BENITO   $625,500
CA SAN BERNARDINO  $417,000
CA SAN DIEGO  $477,000
CA SAN FRANCISCO   $625,500
CA SAN JOAQUIN   $417,000
CA SAN LUIS OBISPO   $457,000
CA SAN MATEO   $625,500
CA SANTA BARBARA   $598,000
CA SANTA CLARA   $625,500
CA SANTA CRUZ   $610,650
CA SHASTA   $417,000
CA SIERRA   $417,000
CA SISKIYOU   $417,000
CA SOLANO   $417,000
CA SONOMA   $419,750
CA STANISLAUS   $417,000
CA SUTTER   $417,000
CA TEHAMA   $417,000
CA TRINITY   $417,000
CA TULARE  $417,000
CA TUOLUMNE   $417,000
CA VENTURA   $518,000
CA YOLO   $417,000
CA YUBA   $417,000


If you need a VA loan for a higher amount than your county loan limit, please call us. We do offer VA loans over the county loan limits for Purchase, Refinance, and VA IRRRL Streamline Refinance (aka VA Streamline). Call Brian Skaar at 760-752-4480 to get started.

2010 California VA Loan Limits

2010 California VA Loan Limits for VA Borrowers

The Veterans Administration, in concert with some help from Congress in 2008 now allows Veterans and Active Duty Military Personnel to purchase homes in higher cost areas such as California and Washington at loan amounts much higher than the old VA limits. Some examples in California are San Jose, San Francisco, Oakland, Fremont and much of the Bay Area may qualify for a 100% VA Jumbo loan up to $962,500. Los Angeles and Orange county cities such as Los Angeles (duh), Irvine, Anaheim, Newport Beach, Costa Mesa, Laguna, Orange, Santa Monica, Hermosa Beach, Manhattan Beach, Torrance, Pasadena, and Brea can borrow up to $593,750 with no money down when buying a house. San Diego Vets qualify up to $437,500 for a 100% VA Loan.

VanDyk Mortgage is a proud VA Lender serving many states including California, Washington, Texas, Florida, and more.

We have compiled the California VA Loan limits for 2010 by county below. Here is a link to our complete list of all nationwide 2010 VA Loan Limits.

STATE COUNTY 2010 VA LIMIT

CA ALAMEDA $962,500
CA CONTRA COSTA $962,500
CA EL DORADO $418,750
CA LOS ANGELES $593,750
CA MARIN $962,500
CA MONO $512,500
CA NAPA $443,750
CA NEVADA $418,750
CA ORANGE $593,750
CA PLACER $418,750
CA SACRAMENTO $418,750
CA SAN BENITO $633,750
CA SAN DIEGO $437,500
CA SAN FRANCISCO $962,500
CA SAN LUIS OBISPO $487,500
CA SAN MATEO $962,500
CA SANTA CLARA $633,750
CA SANTA CRUZ $568,750
CA VENTURA $486,250
CA YOLO $418,750

Any county not listed is at $417,000 for the VA loan limit.

If you need a VA loan for a higher amount than your county loan limit, please call us. We do offer VA loans over the county loan limits for VA IRRRL Streamline Refinance (aka VA Streamline), VA Refinance and VA Purchase. Call Brian Skaar at 760-752-4480 to get started.

VA Loans that are over $417,000 are often called VA Jumbo or VA High Balance loans.