VA Loan Limits by California County
The following loan limits indicate the maximum loan guarantee that allows an eligible Veteran may borrow with no down payment.
California Veterans trying to buy a home using their VA Home Loan Benefit can borrow more than the below listed loan amounts.
Loan amounts greater than the maximum loan limit will be required to have a down payment equal to 25% of the difference between the maximum loan limit, and the actual loan amount.
| County | State | 100% Financing Loan Limit |
| ALAMEDA | CA | $636,150 |
| ALPINE | CA | $463,450 |
| AMADOR | CA | $424,100 |
| BUTTE | CA | $424,100 |
| CALAVERAS | CA | $424,100 |
| COLUSA | CA | $424,100 |
| CONTRA COSTA | CA | $636,150 |
| DEL NORTE | CA | $424,100 |
| EL DORADO | CA | $488,750 |
| FRESNO | CA | $424,100 |
| GLENN | CA | $424,100 |
| HUMBOLDT | CA | $424,100 |
| IMPERIAL | CA | $424,100 |
| INYO | CA | $424,100 |
| KERN | CA | $424,100 |
| KINGS | CA | $424,100 |
| LAKE | CA | $424,100 |
| LASSEN | CA | $424,100 |
| LOS ANGELES | CA | $636,150 |
| MADERA | CA | $424,100 |
| MARIN | CA | $636,150 |
| MARIPOSA | CA | $424,100 |
| MENDOCINO | CA | $424,100 |
| MERCED | CA | $424,100 |
| MODOC | CA | $424,100 |
| MONO | CA | $529,000 |
| MONTEREY | CA | $575,000 |
| NAPA | CA | $615,250 |
| NEVADA | CA | $477,250 |
| ORANGE | CA | $636,150 |
| PLACER | CA | $488,750 |
| PLUMAS | CA | $424,100 |
| RIVERSIDE | CA | $424,100 |
| SACRAMENTO | CA | $488,750 |
| SAN BENITO | CA | $636,150 |
| SAN BERNARDINO | CA | $424,100 |
| SAN DIEGO | CA | $612,950 |
| SAN FRANCISCO | CA | $636,150 |
| SAN JOAQUIN | CA | $424,100 |
| SAN LUIS OBISPO | CA | $586,500 |
| SAN MATEO | CA | $636,150 |
| SANTA BARBARA | CA | $625,500 |
| SANTA CLARA | CA | $636,150 |
| SANTA CRUZ | CA | $636,150 |
| SHASTA | CA | $424,100 |
| SIERRA | CA | $424,100 |
| SISKIYOU | CA | $424,100 |
| SOLANO | CA | $424,100 |
| SONOMA | CA | $595,700 |
| STANISLAUS | CA | $424,100 |
| SUTTER | CA | $424,100 |
| TEHAMA | CA | $424,100 |
| TRINITY | CA | $424,100 |
| TULARE | CA | $424,100 |
| TUOLUMNE | CA | $424,100 |
| VENTURA | CA | $636,150 |
| YOLO | CA | $488,750 |
| YUBA | CA | $424,100 |