VA Loan Calculator for California (CA) — Free Calculator

VA Loans in California

VA loans allow eligible veterans and active-duty service members to buy a home in California with no down payment. On the median California home of $785,000, that's the full $785,000 financed — no down payment required.

VA Loan Limits in California

Veterans with full entitlement have no VA loan limit. The conforming limit of $1,089,300 in California is relevant only for veterans with reduced entitlement. Most California coastal counties qualify for high-cost area limits of up to $1,089,300. San Francisco, Santa Cruz, and Marin counties are at the national ceiling.

VA Funding Fee

Most VA borrowers pay a one-time VA funding fee: 2.15% for first use with no down payment (1.5% with 5%+ down). On a $785,000 loan, the funding fee is approximately $16,878. Veterans with service-connected disabilities are exempt.

Property Taxes in California

VA loans don't change your property tax obligation. California's effective rate is 0.71%, adding ~$464/month to your VA PITI payment.

Data: Tax Foundation (2024), US Census Bureau ACS 2023, Zillow, ATTOM Data Solutions. Updated 2024–2025. Figures reflect state averages — consult a licensed professional for personalized advice.

Frequently Asked Questions

Can I use a VA loan in California?

Yes. VA loans are available in all states including California. Eligible veterans and service members can buy the median California home ($785,000) with no down payment.

What is the VA loan limit in California?

Veterans with full entitlement have no loan limit. For those with reduced entitlement, the baseline conforming limit of $1,089,300 applies. Most California coastal counties qualify for high-cost area limits of up to $1,089,300. San Francisco, Santa Cruz, and Marin counties are at the national ceiling.

How much is the VA funding fee in California?

For a first-use VA loan with no down payment, the funding fee is 2.15% of the loan amount. On California's median home of $785,000, that's approximately $16,878. Veterans with service-connected disabilities pay no funding fee.

What are closing costs on a VA loan in California?

VA loans have lender-paid and buyer-paid closing costs. Buyers typically pay $7,200 in California. California charges a documentary transfer tax of $1.10/$1,000 of value statewide, with most counties and cities adding their own transfer taxes. Los Angeles city charges an additional 0.45%, and properties over $5M face higher rates. Sellers can also contribute to closing costs.

VA Loan Calculator for California

VA Loans in California

VA Loan Limits in California

VA Funding Fee

Property Taxes in California

VA Loan Calculator for Other States

Frequently Asked Questions