Question 1

What is the conforming loan limit in Brentwood for 2026?

Accepted Answer

The 2026 conforming limit for Brentwood is $1,249,125. Loans above this amount are jumbo loans and carry different terms. FHA and VA limits also cap at $1,249,125 in this area.

Question 2

Is Brentwood an FHA high-cost area?

Accepted Answer

Yes. Brentwood qualifies as an FHA high-cost area in 2026. This means FHA loan limits match the conforming limit of $1,249,125 instead of the standard FHA cap.

Question 3

Is Brentwood a VA high-cost area?

Accepted Answer

Yes. Brentwood is designated a VA high-cost area for 2026. VA loan limits here reach $1,249,125, allowing eligible veterans to borrow more without a down payment.

Question 4

How much do I need to put down on a conventional loan?

Accepted Answer

Conventional loans typically require 3% to 20% down. At 20% down or more, you avoid PMI entirely. Below 20%, mortgage insurance applies until you reach 78% LTV.

Question 5

What credit score do I need to qualify for a mortgage?

Accepted Answer

Most lenders require a minimum credit score of 620 for conventional loans. FHA loans accept scores as low as 580. VA loans typically start at 620, though some lenders go lower.

Question 6

What does the East County Service Center mean for Brentwood buyers?

Accepted Answer

The $155 million East County Service Center under construction signals infrastructure growth. Better county services and accessibility can support long-term property values in the region.

Question 7

How does Contra Costa's median income affect my qualification?

Accepted Answer

Contra Costa's median household income is $125,727. Lenders use this as a benchmark for debt-to-income limits. Your personal income must support your target loan amount relative to this county standard.

Question 8

Can I get an FHA loan in Brentwood?

Accepted Answer

Yes. FHA loans are available in Brentwood with a 3.5% down payment and a 580+ credit score. The 2026 FHA limit here is $1,249,125. Mortgage insurance runs for the life of the loan if you put down less than 10%.

Question 9

Are VA loans available in Brentwood?

Accepted Answer

Yes. VA loans are available to eligible veterans, active duty, and surviving spouses. Zero down is allowed, and the 2026 VA limit is $1,249,125. A funding fee applies instead of mortgage insurance.

Question 10

What is the VA funding fee?

Accepted Answer

The VA funding fee is 2.15% of the loan amount on a first-time use with zero down. Subsequent VA loans cost 3.3%. Veterans with a 10% or higher disability rating are exempt from this fee.

Question 11

Do I need to sell my current home before buying in Brentwood?

Accepted Answer

Not necessarily. If you have sufficient income and reserves, lenders may approve you while you're still selling. However, significant equity in your current home strengthens your application considerably.

Question 12

How long does the mortgage process take in Brentwood?

Accepted Answer

Typical closing timelines run 30 to 45 days from application to funding. Brentwood's market pace and your documentation speed affect the final timeline. Clear title and complete financial records speed things up.

Question 13

What closing costs should I expect?

Accepted Answer

Closing costs typically range from 2% to 5% of the loan amount. These include appraisal, title, underwriting, and lender fees. Your loan estimate breaks down all costs within three days of application.

Question 14

Can I use a VA loan to buy a second home in Brentwood?

Accepted Answer

Yes. VA loans can be used for investment properties and second homes. However, the property must be for your personal use or investment. Loan terms may differ from primary residence financing.

Question 15

What happens if I want to refinance later?

Accepted Answer

Refinancing is available once you own the property. You can refinance to a lower rate, shorter term, or different loan type. VA borrowers can use a VA Streamline refinance for faster processing.

Brentwood home loan questions answered