Question 1

Can I use a VA loan on a $1.5M Lafayette home with zero down?

Accepted Answer

Yes, if you have full entitlement and income to support the payment. Some lenders require partial down payment above conforming limits—we'll find the ones that don't.

Question 2

Do Lafayette sellers accept VA offers?

Accepted Answer

They do when your offer is clean and pre-approved with an appraisal contingency timeline. VA closings move fast when the borrower and property both qualify upfront.

Question 3

What if the Lafayette home has solar panels?

Accepted Answer

Owned panels are fine. Leased panels must transfer to you or be paid off by the seller before closing. Get that sorted during negotiations.

Question 4

How much is the VA funding fee in Lafayette?

Accepted Answer

1.4% to 3.6% of the loan amount, typically financed into the loan. Disabled veterans pay zero. First-time use with zero down is 2.15%.

Question 5

Will a VA appraisal kill my Lafayette deal?

Accepted Answer

Not if the home meets minimum property standards. Peeling paint, broken windows, or safety hazards must be fixed. Request repairs in your offer.

Question 6

Can I use a VA loan if I already bought a home with one?

Accepted Answer

Yes. You can restore full entitlement by selling and paying off the first VA loan, or use remaining entitlement for a second property.

VA Loans in Lafayette: Zero Down on Homes Built for California Veterans