California VA high balance Jumbo loans are fantastic for eligible vets buying a home. The standard VA loan limits for 100% VA financing in California range anywhere from $806,500 – $1,209,750. However, many Veterans are not aware they can actually purchase a home using their VA benefits up to $4,000,000 with no money down. 100% financing with low VA interest rates and no monthly PMI.
This program is available to qualified Vets nationwide in 2025. This program will especially come in handy for qualified Veterans purchasing a home in high-cost locations like San Diego, Los Angeles, and San Francisco.
Important California VA Jumbo Loan Info:
Applicants will want to ensure they read the basic eligibility requirements below.
- Credit Scores – Unlike the regular VA purchase loans, the Jumbo high balance program will require higher credit scores in order to be approved. Most lenders and banks will require a minimum 620 to 640 credit score to be approved. There will be additional requirements in place (regardless of credit score) for any vets who have experienced a recent financial hardship. Even with this, the VA jumbo loan restrictions will be much less when compared to regular conventional jumbo loans.
- This program only applies to primary residences. No investor home purchases or vacation home purchases.
- Standard single-family homes, townhomes, and condos. No mobile or manufactured homes, vacant land or acreage permitted.
- Vets will want to have a copy of their DD 214 / VA Certificate of Eligibility before applying. If you do not have this, please contact us for assistance. You can also visit https://www.archives.gov/veterans/military-service-records
- The lender will also evaluate the veteran’s VA entitlement at this time. Your VA entitlement is one of the most important aspects in determining eligibility.
Basic VA loan limits follow the same conforming loan limits set each year by Fannie Mae and Freddie Mac. Please see the latest 2025 Conforming Loan Limits. However, Veterans can exceed these loan limits by up to $4m, depending on their current entitlement and property location.
Homebuyers that have questions can contact us 7 days a week by submitting the Quick Contact form on this page. Be sure to also learn about regular 95% California jumbo options here.
