Question 1

Can I use a VA loan on Moraga's higher-priced homes?

Accepted Answer

Yes. Contra Costa County's VA loan limit is $1,249,125 for 2026 with zero down. Above that, you'll need a down payment on the excess amount.

Question 2

Do Moraga sellers reject VA offers?

Accepted Answer

Rarely. Strong pre-approval and local agent representation overcome most seller concerns. Properties in good condition appraise without issues.

Question 3

What's the VA funding fee in California?

Accepted Answer

First-time VA users pay 2.3% funding fee with zero down. Subsequent use is 3.6%. Disabled veterans are exempt from the fee entirely.

Question 4

Can I buy a fixer-upper with a VA loan?

Accepted Answer

VA requires homes to be move-in ready. Minor cosmetic issues are fine, but major repairs must be completed before closing or you'll need VA Renovation.

Question 5

How long does VA loan approval take in Moraga?

Accepted Answer

30-45 days is typical. Add time if the property needs repairs or HOA isn't VA-approved yet. Get your COE early to avoid delays.

VA Loans in Moraga: Zero Down in Contra Costa's Family-Friendly Hills