2018 VA loan limitsThe VA loan limits listed below for each California county are the maximum loan amounts allowed for 100% financing.

The base amount for 2019 is $484,350. Some counties are considered “high cost” counties and have a larger VA loan limit amount for 100% financing.

The amounts listed below are for one unit properties. The loan amounts are larger for 2-4 unit properties in all counties.

Please note that we have a maximum VA loan limit amount of $2,000,000 available when there is a larger down payment or equity and the loan-to-value is lower than 100%.

County Name 2019 Limit
ALAMEDA $726,525
ALPINE $484,350
AMADOR $484,350
BUTTE $484,350
CALAVERAS $484,350
COLUSA $484,350
CONTRA COSTA $726,525
DEL NORTE $484,350
EL DORADO $552,000
FRESNO $484,350
GLENN $484,350
HUMBOLDT $484,350
IMPERIAL $484,350
INYO $484,350
KERN $484,350
KINGS $484,350
LAKE $484,350
LASSEN $484,350
LOS ANGELES $726,525
MADERA $484,350
MARIN $726,525
MARIPOSA $484,350
MENDOCINO $484,350
MERCED $484,350
MODOC $484,350
MONO $529,000
MONTEREY $652,050
NAPA $726,525
NEVADA $486,450
ORANGE $726,525
PLACER $552,000
PLUMAS $484,350
RIVERSIDE $484,350
SACRAMENTO $552,000
SAN BENITO $726,525
SAN BERNARDINO $484,350
SAN DIEGO $690,000
SAN FRANCISCO $726,525
SAN JOAQUIN $484,350
SAN LUIS OBISPO $667,000
SAN MATEO $726,525
SANTA BARBARA $625,500
SANTA CLARA $726,525
SANTA CRUZ $726,525
SHASTA $484,350
SIERRA $484,350
SISKIYOU $484,350
SOLANO $494,500
SONOMA $704,950
STANISLAUS $484,350
SUTTER $484,350
TEHAMA $484,350
TRINITY $484,350
TULARE $484,350
TUOLUMNE $484,350
VENTURA $713,000
YOLO $552,000
YUBA $484,350

Even if you go over the county limit, in most cases, the percentage amount of your down payment is still relatively small.

For example, if you purchase a home for $550,000 and the county maximum VA loan limit is $484,350, your down payment would be $16,412.50 ($550,000 – $484,350 = $65,650 x .25) or 2.98% of the purchase price. The new VA loan amount would be $533,587.50.

For loan amounts above these listed limits, you will be required to make a down payment which is usually about 25% of difference between the maximum county limit and your purchase price.

These loan amounts are just the maximum amounts that allow 100% financing. If you need a larger loan amount than the county maximum, you can still get a VA loan.

Best of all, there is no monthly mortgage insurance like there is on other loans (FHA and conventional) with less than a 20% down payment.

Are you ready to see what our VA home loan programs can do for you?

Call 800-482-1996.

Posted by: Brian Bush

Brian and his team have been funding VA Home Loans for over 27 years.
Since 1991, they have funded over 3,000 loans

You can reach Brian at 800-482-1996 or bbush@slglends.com