Question 1

Can I use a VA loan on Clayton condos?

Accepted Answer

Yes, if the complex appears on VA's approved condo list. We check that before you write an offer to avoid wasted time.

Question 2

What if the Clayton home I want exceeds conforming limits?

Accepted Answer

VA jumbo loans work the same as standard VA—zero down, no PMI. Rates run slightly higher but still beat conventional jumbo programs.

Question 3

Do Clayton sellers reject VA offers?

Accepted Answer

Rarely when structured properly. We include appraisal gap coverage and use lenders who close in 21-25 days, matching conventional timelines.

Question 4

Can I buy a fixer-upper in Clayton with VA?

Accepted Answer

Standard VA loans require move-in condition. VA Renovation loans exist but add complexity most Clayton buyers skip given the newer housing stock.

Question 5

How much is the VA funding fee in California?

Accepted Answer

2.3% first use, 3.6% after that, waived for disabled veterans. It rolls into your loan amount—you don't pay it upfront.

VA Loans in Clayton: Zero Down Financing for Veterans in Contra Costa County