Congress Authorizes New Higher VA Loan Limits for rest of 2012

Congress Authorizes New Higher VA Loan Limits for rest of 2012

VA Loan Limits increased for Remainder of 2012 – up to $1m in California

Congress and the President have worked together to authorize the Veterans Administration to increase the 2012 VA Loan Limits for California for the remainder of 2012.   The formula for generating the VA Loan Limits was altered by Congress in 2008, and has now been resinstated beginning August 6, 2012.

The VA Jumbo Loan allows Veterans and Active Duty Military Personnel to purchase homes in higher cost areas of California and Washington at loan amounts more inline with local housing costs.    Many Vet’s can purchase up to $1m with zero money down.

Some examples of the new VA Loan Limits in California are: Veterans in Los Angeles, Orange County, Ventura, Brea, Pasadena, Irvine, Costa Mesa, Huntington Beach, and Long Beach may qualify for a 100% VA Jumbo loan up to $675,000. San Diego County cities including San Diego, Oceanside, Chula Vista, El Cajon, Encinitas, Carlsbad, San Marcos, Escondido, Rancho Bernardo, la Mesa and National City a Vet can borrow up to $518,750 with no money down when buying a house. San Jose vets can go up to $831,250 with no money down VA Purchase Loan. Bay Area Vets buying a home in San Francisco, Alameda, Oakland, Fremont, Contra Costa, Marin, San Mateo, Daly City, etc can qualify up to $1,000,000 for a 100% VA Loan as well. We also offer VA Loans that exceed these limits with the appropriate amount of Down payment on purchases, or equity on Refinances.

VanDyk Mortgage is a proud VA Lender serving many states including California, Washington, and more.

We have compiled the California VA Loan limits for 2012 by county below.

State County 2012 VA Loan Limit

CA ALAMEDA $1,000,000

CA ALPINE $417,000

CA AMADOR $417,000

CA BUTTE $417,000


CA COLUSA $417,000

CA CONTRA COSTA $1,000,000

CA DEL NORTE $417,000

CA EL DORADO $417,000

CA FRESNO $417,000

CA GLENN $417,000

CA HUMBOLDT $417,000

CA IMPERIAL $417,000

CA INYO $417,000

CA KERN $417,000

CA KINGS $417,000

CA LAKE $417,000

CA LASSEN $417,000


CA MADERA $417,000

CA MARIN $1,000,000

CA MARIPOSA $417,000


CA MERCED $417,000

CA MODOC $417,000

CA MONO $417,000

CA MONTEREY $436,250

CA NAPA $500,000

CA NEVADA $417,000

CA ORANGE $675,000

CA PLACER $417,000

CA PLUMAS $417,000



CA SAN BENITO $831,250


CA SAN DIEGO $518,750




CA SAN MATEO $1,000,000



CA SANTA CRUZ $663,750

CA SHASTA $417,000

CA SIERRA $417,000

CA SISKIYOU $417,000

CA SOLANO $417,000

CA SONOMA $456,250


CA SUTTER $417,000

CA TEHAMA $417,000

CA TRINITY $417,000

CA TULARE $417,000

CA TUOLUMNE $417,000

CA VENTURA $563,750

CA YOLO $417,000

CA YUBA $417,000

If you need a VA loan for a higher amount than your county loan limit, please call us. We do offer VA loans over the county loan limits for Purchase, Refinance, and VA IRRRL Streamline Refinance (aka VA Streamline). Call Brian Skaar at 760-752-4480 to get started.

VanDyk Mortgage also 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).

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