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View limits for: VA | FHA | conforming

The Department of Veterans Affairs (VA) home loan program offers many benefits to military members and their families, including 100% financing. But there are limits to how much you can borrow through this program. Below, you’ll find the 2019 California VA loan limits for all counties in the state.

At a glance: The current cap for most counties in California is $484,350. Some counties have higher limits due to higher home prices. The most expensive real estate markets, like the Bay Area, Orange County, and Los Angeles, have VA loan limits of up to $726,525.

California VA Loan Limits for 2019, by County

In this table, the “1-unit” column refers to a regular single-family home. The “2-unit” column applies to duplex-style multifamily units, and so on. If you’re planning to use the VA program to buy a single-family property, refer to the loan limits in the “1-unit” column.

County1-Unit2-Unit3-Unit4-Unit
ALAMEDA$726,525$930,300$1,124,475$1,397,400
ALPINE$484,350$620,200$749,650$931,600
AMADOR$484,350$620,200$749,650$931,600
BUTTE$484,350$620,200$749,650$931,600
CALAVERAS$484,350$620,200$749,650$931,600
COLUSA$484,350$620,200$749,650$931,600
CONTRA COSTA$726,525$930,300$1,124,475$1,397,400
DEL NORTE$484,350$620,200$749,650$931,600
EL DORADO$552,000$706,650$854,200$1,061,550
FRESNO$484,350$620,200$749,650$931,600
GLENN$484,350$620,200$749,650$931,600
HUMBOLDT$484,350$620,200$749,650$931,600
IMPERIAL$484,350$620,200$749,650$931,600
INYO$484,350$620,200$749,650$931,600
KERN$484,350$620,200$749,650$931,600
KINGS$484,350$620,200$749,650$931,600
LAKE$484,350$620,200$749,650$931,600
LASSEN$484,350$620,200$749,650$931,600
LOS ANGELES$726,525$930,300$1,124,475$1,397,400
MADERA$484,350$620,200$749,650$931,600
MARIN$726,525$930,300$1,124,475$1,397,400
MARIPOSA$484,350$620,200$749,650$931,600
MENDOCINO$484,350$620,200$749,650$931,600
MERCED$484,350$620,200$749,650$931,600
MODOC$484,350$620,200$749,650$931,600
MONO$529,000$677,200$818,600$1,017,300
MONTEREY$652,050$834,750$1,009,000$1,253,950
NAPA$726,525$930,300$1,124,475$1,397,400
NEVADA$486,450$622,750$752,750$935,500
ORANGE$726,525$930,300$1,124,475$1,397,400
PLACER$552,000$706,650$854,200$1,061,550
PLUMAS$484,350$620,200$749,650$931,600
RIVERSIDE$484,350$620,200$749,650$931,600
SACRAMENTO$552,000$706,650$854,200$1,061,550
SAN BENITO$726,525$930,300$1,124,475$1,397,400
SAN BERNARDINO$484,350$620,200$749,650$931,600
SAN DIEGO$690,000$883,300$1,067,750$1,326,950
SAN FRANCISCO$726,525$930,300$1,124,475$1,397,400
SAN JOAQUIN$484,350$620,200$749,650$931,600
SAN LUIS OBISPO$667,000$853,900$1,032,150$1,282,700
SAN MATEO$726,525$930,300$1,124,475$1,397,400
SANTA BARBARA$625,500$800,775$967,950$1,202,925
SANTA CLARA$726,525$930,300$1,124,475$1,397,400
SANTA CRUZ$726,525$930,300$1,124,475$1,397,400
SHASTA$484,350$620,200$749,650$931,600
SIERRA$484,350$620,200$749,650$931,600
SISKIYOU$484,350$620,200$749,650$931,600
SOLANO$494,500$633,050$765,200$950,950
SONOMA$704,950$902,450$1,090,850$1,355,700
STANISLAUS$484,350$620,200$749,650$931,600
SUTTER$484,350$620,200$749,650$931,600
TEHAMA$484,350$620,200$749,650$931,600
TRINITY$484,350$620,200$749,650$931,600
TULARE$484,350$620,200$749,650$931,600
TUOLUMNE$484,350$620,200$749,650$931,600
VENTURA$713,000$912,750$1,103,350$1,371,150
YOLO$552,000$706,650$854,200$1,061,550
YUBA$484,350$620,200$749,650$931,600

How These Limits Affect Borrowers

Technically speaking, the Department of Veterans Affairs does not put a cap on the amount of money you can borrow to buy a home in California. But they do limit the amount of liability the Department will assume, and this can affect the amount you’re able to borrow from a mortgage lender without making a down payment.

So, if you want to use a VA loan to purchase a house, and you want to obtain 100% financing to avoid making a down payment, you’ll probably have to stay within the 2019 California VA loan limits shown in the table above.

Why They Rose from 2018 to 2019

For 2019, the Department of Veterans Affairs is using the same conforming limits established by the Federal Housing Finance Agency (FHFA). Those conforming caps are based on median home prices. So when home values within a particular county rise significantly over the course of a year, there’s a chance the corresponding loan limits will go up as well.

That’s what happened from 2018 to 2019. The VA loan limits were increased for most California counties, in response to rising home prices.

Want to Apply for the Program?

Bridgepoint Funding offers a variety of loan programs, including VA. We are passionate about this unique program, because it rewards the men and women who proudly serve our country.

If you are planning to use a VA-backed mortgage loan to buy a house in California, please give us a call. We offer competitive rates and great customer service. We can also answer any questions you have about this program, including eligibility questions.

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