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Union City sits in the East Bay corridor where $750,000 purchases a solid single-family home. At 5.5%, your principal and interest run $4,258 monthly on a zero-down VA loan.
The Golden Gate Fields racetrack is becoming a public shoreline park, signaling long-term investment in the East Bay waterfront. Property values here track regional infrastructure.
5.5%
Interest Rate
$4,258
Monthly P&I
$750,000
Loan Amount
620+ (680+ preferred)
FICO Required
$0 (100% LTV)
Down Payment
30 days
Lock Period
VA Loans in Union City
VA loans require a Certificate of Eligibility from the VA — active duty, veterans, and surviving spouses qualify. Credit floor is typically 620, though most lenders prefer 680+. You need zero down.
Alameda County's median household income of $126,240 comfortably covers a $750,000 purchase here. Debt-to-income limits run 41-50% depending on the lender.
Local decision guide
Use this guide to connect va loans eligibility, lender expectations, and local market factors before comparing payment options in Union City.
Union City sits in the East Bay corridor where $750,000 purchases a solid single-family home. At 5.5%, your principal and interest run $4,258 monthly on a zero-down VA loan.
The Golden Gate Fields racetrack is becoming a public shoreline park, signaling long-term investment in the East Bay waterfront. Property values here track regional infrastructure.
VA loans require a Certificate of Eligibility from the VA — active duty, veterans, and surviving spouses qualify. Credit floor is typically 620, though most lenders prefer 680+. You need zero down.
VA loans in California move through both retail banks and mortgage brokers. Brokers typically close faster — 21-28 days — because they shop multiple lenders instead of routing everything through one bank's underwriting queue.
The VA loan market is competitive. Most lenders waive the funding fee for disabled veterans rated 10% or higher, Purple Heart recipients, and surviving spouses. Non-disabled veterans pay the fee. Lock periods run 30-45 days.
VA loans pencil in Union City above $600,000 where conventional 20% down gets expensive. At $750,000, putting 20% down means $150,000 out of pocket. The VA zero-down option frees that capital for closing costs, reserves, or other investments.
The one catch: if you're not disabled and rated 10%+, you're paying 2.15% funding fee upfront. That's $16,125 on a $750,000 loan. If you have the down payment and strong credit, conventional might cost less. But if you're cash-constrained, VA wins every time.
Conventional loans at 20% down require $150,000 upfront on a $750,000 purchase. VA requires zero down but charges a 2.15% funding fee rolled into the loan. The trade: you keep your cash now, pay the fee over 30 years.
FHA loans run lower rates than VA but charge lifetime mortgage insurance if you put down less than 10%. VA has no lifetime insurance — just the upfront funding fee. For veterans, VA almost always wins on total cost over the loan's life.
The Golden Gate Fields racetrack is being converted to a public shoreline park by the East Bay Regional Parks District. That's a $175 million investment in waterfront access right in Union City's backyard.
Berkeley Restaurant Week runs through April 12, and the East Bay dining scene is booming. Cafe Bolita just opened with heirloom corn masa dishes. These aren't just lifestyle perks — they signal a region attracting investment and talent.
No. Veterans, active-duty service members, and surviving spouses all qualify. You need a Certificate of Eligibility from the VA. Active duty, honorable discharge, and surviving spouses of deceased service members are all eligible.
Principal and interest run $4,258 monthly at 5.5% on a $750,000 zero-down purchase. Add property taxes, insurance, and HOA if applicable. This assumes a 740 FICO, primary residence, 30-day lock as of April 12, 2026.
No. The funding fee rolls into your loan balance. At 2.15% on a $750,000 loan, that's $16,125 added to what you owe. Disabled veterans rated 10% or higher, Purple Heart recipients, and surviving spouses are exempt from the fee entirely.
Yes, if the condo project is VA-approved. The VA maintains a list of approved projects. Not all condos qualify — the building must meet VA standards. Ask your lender to verify the specific property before you make an offer.
Yes. The rate shown is locked for 30 days from application. If you need more time, you can extend the lock, but that typically costs 0.125-0.25% in rate or an upfront fee. Appraisals take 7-10 days, so plan your timeline accordingly.