2022 California VA Loan Limits    

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Mortgage and Lending with VanDyk Mortgage - VA, FHA, Conventional, VA Jumbo, Jumbo, Purchase Loans, & Refinance, Direct Lender NMLS 220268 / 3035

2022 California VA Loan Limits    

The VA (Veterans Administration) has announced the 2022 VA Loan Limits for California.  The formula is now based on the Freddie Mac / Fannie Mae conforming limits set by the FHFA (Federal Housing Finance Administration, not to be confused with FHA, the Federal Housing Administration).   VA Loans with zero money down are available throughout the USA to qualified Veterans with full entitlement available up to $2m.  For Veterans without full entitlement available, your maximum zero down VA loan is the VA County Loan Limit minus your prior VA loan entitlement charged. The nationwide base VA loan limit for 2022 is $647,200 (see below for CA VA Loan Limits by county).  VanDyk also offers VA Jumbo loans up to $2M with a down payment or equity (for refinances) of roughly 25% of the difference the purchase price and your net available VA entitlement (county VA Loan Limit minus your Prior entitlement charged, aka non-restored).  Please call us to find out what the amount for your specific scenario would be.

Go here for the 2022 California FHA Loan Limits

Go here for the 2022 California Conventional Conforming Loan Limits

The VA Jumbo Loan allows Veterans and Active Duty Military Personnel to purchase homes in higher cost areas such as California, Colorado, Illinois,  Massachusetts, Virginia and Washington at loan amounts much higher than the old VA limits.

Some examples in California are: Veterans in Los Angeles, Orange County, Santa Monica, Hermosa Beach, Manhattan Beach, Torrance, Pasadena, Irvine, Costa Mesa, Huntington Beach, Anaheim, 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, La Mesa and Coronado a Vet can borrow up to $2m with no money down when buying a house. Qualified San Jose vets can go up to $2m with a 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 Loan as well.  We also offer VA Loans for veterans that have a current VA loan (aka a charge against VA entitlement). These will require an appropriate amount of Down payment on purchases, or equity on Refinances.  Call us to calculate your scenario.

VanDyk Mortgage is a proud VA Lender serving many states including California, Colorado, Georgia, Indiana, Massachusetts, Michigan, Mississippi, Tennessee, Texas, Virginia, Washington & Wyoming.

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 2022 by county below. 

CA County 2022 VA Loan Limit for 1-4 unit homes:

County                         VA Loan Limit (*)         VA Loan Limit (for qualified Veterans with Full Entitlement)                          

Alameda                     $970,800                        $2,000,000

Alpine                         $647,200                        $2,000,000

Amador                      $647,200                        $2,000,000

Butte                           $647,200                        $2,000,000

Calaveras                    $647,200                        $2,000,000

Colusa                         $647,200                        $2,000,000

Contra Costa              $970,800                        $2,000,000

Del Norte                   $647,200                        $2,000,000

El Dorado                   $675,050                        $2,000,000

Fresno                        $647,200                        $2,000,000

Glenn                          $647,200                        $2,000,000

Humboldt                  $647,200                        $2,000,000

Imperial                      $647,200                        $2,000,000

Inyo                            $647,200                        $2,000,000

Kern                            $647,200                        $2,000,000

Kings                           $647,200                        $2,000,000

Lake                            $647,200                        $2,000,000

Lassen                         $647,200                        $2,000,000

Los Angeles                $970,800                        $2,000,000

Madera                       $647,200                        $2,000,000

Marin                          $970,800                        $2,000,000

Mariposa                    $647,200                        $2,000,000

Mendocino                 $647,200                        $2,000,000

Merced                       $647,200                        $2,000,000

Modoc                         $647,200                        $2,000,000

Mono                          $647,200                        $2,000,000

Monterey                   $854,450                        $2,000,000

Napa                           $897,000                        $2,000,000

Nevada                       $647,200                        $2,000,000

Orange                        $970,800                        $2,000,000

Placer                          $675,050                        $2,000,000

Plumas                       $647,200                        $2,000,000

Riverside                    $647,200                        $2,000,000

Sacramento               $675,050                        $2,000,000

San Benito                  $970,800                        $2,000,000

San Bernardino         $647,200                        $2,000,000

San Diego                   $879,750                        $2,000,000

San Francisco             $970,800                        $2,000,000

San Joaquin                $647,200                        $2,000,000

San Luis Obispo         $805,000                        $2,000,000

San Mateo                  $970,800                        $2,000,000

Santa Barbara            $783,150                        $2,000,000

Santa Clara                $970,800                        $2,000,000

Santa Cruz                 $970,800                        $2,000,000

Shasta                         $647,200                        $2,000,000

Sierra                          $647,200                        $2,000,000

Siskiyou                      $647,200                        $2,000,000

Solano                         $647,200                        $2,000,000

Sonoma                      $764,750                        $2,000,000

Stanislaus                  $647,200                        $2,000,000

Sutter                         $647,200                        $2,000,000

Tehama                      $647,200                        $2,000,000

Trinity                         $647,200                        $2,000,000

Tulare                         $647,200                        $2,000,000

Tuolomne                   $647,200                        $2,000,000

Ventura                      $851,000                        $2,000,000

Yolo                            $675,050                        $2,000,000

Yuba                           $647,200                        $2,000,000

For a VA loan for a higher amount than your county loan limit, please call us.  We are highly experienced with VA Loans over the corresponding VA County Loan Limit for Veterans with limited Entitlement.  We offer VA loans over the county loan limits for Purchase, Refinance, and VA IRRRL Streamline Refinance (aka VA Streamline).

VA Loans up to $2m with no money down for qualified Veterans with full VA entitlement available.

*VA Loans up to $2m with down payment for qualified Veterans with a Partial charge against VA entitlement.  Call us to help calculate your required down payment - it is very individual to your situation. 

Call Brian Skaar at 760-752-4480 or 866-900-2342 toll free to get started, or Get Started here Online

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