Question 1

Can I use a VA loan to buy in Plymouth with no down payment?

Accepted Answer

Yes, if you have full VA entitlement. Zero down is one of the program's core benefits for eligible veterans and service members.

Question 2

Does Plymouth qualify for both VA and USDA loans?

Accepted Answer

Parts of Amador County are USDA-eligible. VA has no geographic restrictions — your eligibility follows your service record, not your address.

Question 3

What credit score do I need for a VA loan here?

Accepted Answer

VA sets no official minimum, but most lenders want 620 or higher. We work with lenders whose overlays stay close to VA's own guidelines.

Question 4

Are VA appraisals harder to pass on older rural homes?

Accepted Answer

Yes. VA appraisers flag safety and habitability issues. Older homes in Plymouth may need repairs before the loan can close.

Question 5

Who pays closing costs on a VA loan in California?

Accepted Answer

VA limits what veterans can pay. Sellers can cover all allowable costs. Lender credits are also common on VA deals.

Question 6

What is the VA funding fee and can I avoid it?

Accepted Answer

It ranges from 1.25% to 3.3% of the loan. Veterans with a service-connected disability rating are fully exempt from paying it.

VA Loans in Plymouth, CA — Zero Down for Veterans